Your credit score is based on many factors, including:
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- Current debt load
- Types of credit on your report
A FICO score ranges from 300 on the low end to 850 on the high end. While you hope to find yourself at the top, many people fall into the fair range of 620 to 680.
A fair credit score can be the result of many things, such as a short credit history, a few missed payments, and/or an overabundance of debt.
Although you may not be satisfied with your current score, it could be worse. Just the same, you’re not that far away from taking the next step up.
How to Raise Your Credit Score
You don’t want to be stuck with a fair credit score forever, so it makes sense to learn more about how to give it a boost. Here are some simple tips you can follow:
- Eliminate as much outstanding debt as possible, starting with credit cards
- Do whatever it takes to pay every bill on time (to avoid negative marks on your credit report)
- Don’t apply for credit too often, as hard inquiries can drag down your score
Once you form better financial habits you’ll find it easy to follow the three steps above. It may take time, but don’t give up. Your goal of a higher credit score is within reach.
Start With Your Credit Score
What’s your credit score? If you don’t know the answer, it’s time to figure it out.
You have the right to receive one free credit report every year from the major reporting agencies: TransUnion, Experian, and Equifax.
There are many ways to request your free report, with going online the easiest way to get started. Visit AnnualCreditReport.com to make your request and receive your report.
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With good or excellent credit, it’s easy to apply for and receive almost any type of loan. However, things can change if you have a fair credit score. You may have to work harder to find the right personal loan, but there’s a product and lender out there for you.
With a fair credit score, lenders may request collateral. Since this isn’t always the case, don’t hesitate to consult with a variety of lenders to see what’s available to you.
Interest rates for personal loans can start as low as 4 or 5 percent. As an applicant with fair credit, it’s not likely that you will be offered the lowest rate. But since every lender has its own requirements, you’ll want to shop around to ensure that you secure the best rate based on your score and other factors.