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How to check your credit score
Knowing your credit score is the first step to applying for any type of loan or mortgage. The higher your credit score, the lower the interest rate you will qualify for. Who really likes paying high interest anyway? I would say nobody. But to ensure you have a great credit score, there are a few things you must keep in mind. Here are a few tips.
1. The 30% rule Make sure you don’t go overboard and spend more than what you are allowed. A $1,000 credit card doesn’t mean you have $1,000 to throw at whatever you want. Spending no more than 30% is recommended.
2. Pay on time Don’t procrastinate and ensure you are nothing but punctual when it comes to bill payments. Be late by one hour and this might impact your score.
3. Pay off everything There should be no explanation as to why paying back in full each month is essential. Your payment history will be the primary factor determining how creditworthy you are.