Three Quick Ways to Improve Your Credit Report Rating in New Jersey

Do you know your current credit score? It’s ok if you don’t. The number isn’t something you think about every day, but it is still very important. Your credit rating is something you want to be healthy to get a mortgage, car loan, and credit cards. If your credit score isn’t where you want it to be right now, you are probably doing everything you can to raise for credit report repair in New Jersey. Here are three tips to speed up the process.

Dispute Errors

Most people are surprised to see how many problems on their credit reports are wrong. Check your credit report regularly to see if you have a late or missed payment that is reported incorrectly. You can then dispute this. If the issue is taken off of your report, your score is sure to rise.

Get a Secured Credit Card

A secured credit card is a bank-backed card that is designed to help people with low credit scores get them up. It requires a deposit that matches the credit limit. Besides that, it is used exactly like a traditional card.

Keep Cards Open

If you have paid off a card, don’t close it. Keep it open and use it sparingly, paying it off each month. This will give you a higher debt to available credit ratio, which is a huge factor in determining your overall score. Available credit is a great way to speed up credit report repair in New Jersey.

While it’s a good idea to avoid using credit as much as possible, a high credit score is a great tool for those that want to buy a house or a new car. If you are interested in learning more about how to clean up your credit report, contact Square One Credit Management for all the information you need.