{"id":27621,"date":"2022-01-28T11:33:50","date_gmt":"2022-01-28T16:33:50","guid":{"rendered":"https:\/\/blog.eztaxreturn.com\/?p=27621"},"modified":"2023-06-04T15:47:25","modified_gmt":"2023-06-04T20:47:25","slug":"5-ways-to-rebuild-your-credit","status":"publish","type":"post","link":"https:\/\/staging.eztaxreturn.com\/blog\/5-ways-to-rebuild-your-credit\/","title":{"rendered":"5 Ways to Rebuild Your Credit"},"content":{"rendered":"\r\n

A recent Marcus by Goldman Sachs survey revealed that 44% of people want to improve their credit in 2022.\u00a0 Having a higher credit score<\/a> makes it easier to qualify for credit cards<\/a> or loans<\/a> at an affordable interest rate<\/a>.\u00a0 If you\u2019ve made financial mistakes in the past and want to rebuild your credit, here are some steps you can take to get a good score.<\/p>\r\n\r\n\r\n\r\n

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Focus on paying your bills on time<\/strong><\/h2>\r\n\r\n\r\n\r\n

There are several pieces of data used to calculate your credit score, but nothing is more important than your payment history.\u00a0 It accounts for 35 percent of your score.\u00a0 Always pay your full balance on or before the due date.\u00a0 If your memory isn\u2019t the best, enroll in automatic payments<\/a> or set up payment reminders, so you never miss another due date.\u00a0 And make sure you keep enough money in your checking account to cover your expenses.<\/p>\r\n\r\n\r\n\r\n

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Don\u2019t max out your credit card<\/strong><\/h2>\r\n\r\n\r\n\r\n

Using all your available credit is never a good idea.\u00a0 It lowers your credit score and makes you look risky to potential lenders.\u00a0 Ideally, you want to keep your credit utilization under 30%.\u00a0 Closer to 10% is even better.<\/p>\r\n\r\n\r\n\r\n

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Get Started Now<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n
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Get a secured credit card<\/strong><\/h2>\r\n\r\n\r\n\r\n

Credit cards are a great way to build credit, but it\u2019s hard to get approved when you have bad or limited credit.\u00a0 In this situation, your best bet may be to apply for a secured credit card.\u00a0 They work like traditional cards except they require a deposit to open the account.\u00a0 Usually, your deposit will equal your spending limit so you can\u2019t borrow more than you can afford to pay.\u00a0 Keep in mind, if you miss a payment, your lender may keep your deposit.\u00a0 Your activity will be reported to the credit bureaus<\/a> and if the card is being used responsibly, your score will improve over time.\u00a0 Eventually you\u2019ll be able to qualify for an unsecured card.\u00a0 When you close your secured card, your deposit will be refunded.<\/p>\r\n\r\n\r\n\r\n

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Become an authorized user on someone else\u2019s account<\/strong><\/h2>\r\n\r\n\r\n\r\n

If you have a family member with good credit, ask them to add you as an authorized user on their credit account.\u00a0 Their account information such as credit limit<\/a>, payment history and card balance will show up on your credit report.\u00a0 As long as they keep the accounts in good standing, your score will improve.\u00a0 You may receive a card with your name on it, but the primary cardholder is responsible for the payments.\u00a0 If you use the card irresponsibly or they start missing payments, both of your scores will suffer.<\/p>\r\n\r\n\r\n\r\n

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Review your credit report<\/strong><\/h2>\r\n\r\n\r\n\r\n

Don\u2019t automatically assume that everything on your credit report is correct.\u00a0 According to Consumer Reports, 34% of people have found at least one mistake on their credit report.\u00a0 Having inaccuracies on your report such as a loan that doesn\u2019t belong to you, can hurt your score, and force you to pay higher interest rates on loans.\u00a0 Right now, you can get free weekly online credit reports from AnnualCreditReport.com<\/a>.\u00a0 So, download yours and comb through the information.\u00a0 If you spot any mistakes or accounts you don\u2019t recognize, you\u2019ll need to file a dispute with each of the credit bureaus (Experian<\/a>, TransUnion and Equifax<\/a>).<\/p>\r\n\r\n\r\n\r\n

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File your taxes fast, easy and 100% accurately.<\/h2>\r\n\r\n\r\n\r\n
\u00a0<\/div>\r\n\r\n\r\n\r\n
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Get Started Now<\/a><\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"

A recent Marcus by Goldman Sachs survey revealed that 44% of people want to improve their credit in 2022.\u00a0 Having a higher credit score makes it easier to qualify for credit cards or loans at an affordable interest rate.\u00a0 If you\u2019ve made financial mistakes in the past and want to rebuild your credit, here are […]<\/p>\n","protected":false},"author":3,"featured_media":27646,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-27621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards-and-credit-scores"],"yoast_head":"\n5 Ways to Rebuild Your Credit<\/title>\n<meta name=\"description\" content=\"If you\u2019ve made financial mistakes in the past and want to rebuild your credit, here are some steps you can take to get a good credit 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