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This is especially problematic for people whose credit limits were lowered after the recession began. A few suggestions:

Spread purchases among multiple cards to keep individual balances lower -- while still paying off as find credit report Bangor much as you can each month, find credit report Bangor of course. Make an extra payment midway through the billing cycle so your reported outstanding balance appears lower. Ask lenders to reinstate higher limits if your payment history has been solid -- but don't tap the extra credit just because it's there.

Be cautious with transfers. Transferring balances to a new credit card account to get a lower rate will ding find credit report Bangor your credit score by a few points -- although it won't take that long to recover. But, find credit report Bangor say you move a $2,000 balance from a card with a $10,000 limit to one with find credit report Bangor a $4,000 limit; you've immediately gone from a 20 percent utilization ratio to 50 percent on the new card. Plus, if you then close the higher-rate card, find credit report Bangor you'll only compound the problem by both lowering your available credit and erasing a longer-term account from your credit history. credit report government free Mix it up. People who demonstrate managing several types of credit earn higher scores, find credit report Bangor so if your revolving (credit card) find credit report Bangor payments are under control and you don't have any outstanding installment loans (mortgage, car, student), consider taking out a small personal loan and paying it off on schedule. Just make sure the lender will report it to all three bureaus. A few other credit score-improvement tips:

Make sure that credit limits on individual cards reported to credit bureaus are accurate.

Don't automatically close older, unused accounts; 15 percent of your score is based on credit history. In fact, make occasional small charges on existing accounts (paying them off, of course) to make find credit report Bangor sure the lender doesn't close them out. report the credit Each time you open a new account there's a slight impact on your score, so avoid doing so in the months find credit report Bangor before a major purchase like a home or car. Pay off medical find credit report Bangor bills, as well as parking, traffic or library fines. Once old, unpaid find credit report Bangor bills go into collections, they can cause major damage to your credit.

There are many good find credit report Bangor resources for learning more about what you can do to repair and protect your credit scores, including MyFICO.find credit report Bangor com's Credit Education Center, the FTC's Credit & Loans page, and What's My Score, a find credit report Bangor financial literacy program run by my employer, Visa Inc., which also features a free FICO® Score Estimator that can help you approximate your score. And check out my previous blog, Understanding Credit Scores. Follow Jason Alderman on Twitter: www.twitter.com/PracticalMoney Loans For People With Poor Credit Rating – Tips and Strategies | Credit Loans Tips to Improve Your Credit Rating | How to find credit report Bangor get out of credit card debt fast Credit Score: Getting Your Bad find credit report Bangor Credit Rating Repaired – Loan Tips | Apply for Credit Card Tips and hints relating to the appropriate credit rating How to improve your business credit rating Tips on How To Perform Credit Rating Check find credit report Bangor Online | rate credit Tips to Restoring Your Credit Score and Rating | fixed rate 10 Tips on How to Improve Your Credit Rating find credit report Bangor | rate credit How to raise your credit score quickly after declaring bankruptcy - by Nancy Seddens - Helium Tips to build credit rating « find credit report Bangor maxthewestie WMS Home Loans Tips to obtain fast payday cash loan: For people with poor credit rating, or... request free credit report