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    3-36. Improve your credit score. - Electronic Edition

    3-36. Improve your credit score. - Electronic Edition
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     A recent news report revealed that in the fine print of your credit card agreements, the card companies are empowered to charge you a higher rate of interest, as many as 15 percentage points higher if your credit score changes by a certain amount. Never mind that you are and always have been on time with your credit card payments. The process of building a home can present challenges to your score. As Jeb in Martinsburg, VA found when he tried to convert his O-B construction loan to a long-term mortgage: “I will say that when I did look towards them for closing my loan, all of a sudden they could only get a me a loan with a 10% interest rate. I went into this project with a credit score in the mid 700’s; now I’m mid 600’s because of all the overages and credit I have had to use. How very nice of them.” Protect yourself for more favorable rates on your mortgage loan and on any consumer debt you may have.

     Parade Magazine October 2, 2005 in an article entitled “Boost Your Credit Score”, by Lynn Brenner

     Ms. Brenner says a better credit score “…can save you thousands of dollars by lowering the interest rates on your mortgage, bank and car loans. Improving your use of credit can help cut your insurance premiums, too… To make sure your report is accurate, order a free annual copy from each agency. (Go to annualcreditreport.com, or call 1.877.322.8228…)”

“Take the Right Steps:
•Pay bills on time.
•Reduce your credit card balances.
•Limit your credit applications.
•Build a track record.”

     Another precaution is to use less, a smaller percentage of your available credit. Try not to max out your credit lines, as this is a deduct.

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