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Credit score

Credit Score: How To Improve A Low Credit Score

Credit Scores play a key role in the credit card industry. Once someone has good credit, they are able to apply for cards how they please. The hard part is getting to that stage. Today we will discuss how to improve a low credit score.

You may hear people say they have no credit score. This is impossible. They mean to say they have no credit history, and a low credit score. Everyone had a number. Read more about your FICO credit score here.

When does one have a low credit score

There are two types of people with low credit scores.

People with no credit history

In order to apply for credit cards, people with low credit history need‎ to build credit. Banks do not trust people with no credit history, because there is a risk factor involved. Since the bank doesn’t know you, and no other banks have a relationship with you, and there is too much risk in granting you a line of credit.

But, there is an easy and painless process to fix this.

Read why we recommend the Discover it® Credit Card here . Another smart choice would be the Chase Freedom Card ®

Chase Freedom® Link

Read more about the Freedom® Card here here.

The same would be true when applying for a store credit card. These cards are rated for people with fair credit. The sign up bonuses on the above cards are nil, but it is a necessary evil. This will put you in the game to get the big bonus like the Chase Ink Bold, or American Express Platinum.

People with poor credit history

If you have a poor credit history you need help, fast. Having a poor credit will deter you in the short term and kill you in the long term. In the short term you will not be able to get new credit cards. In the long term you will not be able to get a mortgage, lease, student loans etc. The number 1 thing on your to do list should be to fix your credit score.

Read tomorrow how to fix poor credit 

In Summary:

It is important to have a good credit score. someone with no credit history needs to build a score. This can be accomplished by being an AU, starter card or a secure card.

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