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Ways to Improve Your Credit Scores

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WAYS TO IMPROVE
YOUR CREDIT SCORES

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Join our #CreditChat every Wednesday at 3 p.m. ET.
This week, we talked about ways to improve your credit scores.
ex.pn/im...

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What info is on a credit report? (And what’s not
on your report?)
#CreditChat
Wednesday | 3 p.m. ET

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Ways to Improve Your Credit Scores

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Join our weekly #CreditChat on Twitter & Google Hangouts every Wednesday at 3 p.m. ET.
The panel included: Jeanne Kelly– Credit Coach, speaker and author; Rod Griffin– Director of Public Education at Experian and Mike Delgado– Social Media Community Manager at Experian.

This deck features tips from: @KOFETIME, @creditscoop, @Rod_Griffin, @Purefy, @LeslieHTayneEsq, @AirForceFCU, @SFCUNews, @FedChoiceFCU, @taynelawgroup, @JustOnePay, @CaryCarbonaro, @moneyinmy30s, @care4yourfuture, and @jennifercwhite.

Join our weekly #CreditChat on Twitter & Google Hangouts every Wednesday at 3 p.m. ET.
The panel included: Jeanne Kelly– Credit Coach, speaker and author; Rod Griffin– Director of Public Education at Experian and Mike Delgado– Social Media Community Manager at Experian.

This deck features tips from: @KOFETIME, @creditscoop, @Rod_Griffin, @Purefy, @LeslieHTayneEsq, @AirForceFCU, @SFCUNews, @FedChoiceFCU, @taynelawgroup, @JustOnePay, @CaryCarbonaro, @moneyinmy30s, @care4yourfuture, and @jennifercwhite.

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Ways to Improve Your Credit Scores

  1. 1. WAYS TO IMPROVE YOUR CREDIT SCORES
  2. 2. Join our #CreditChat every Wednesday at 3 p.m. ET. This week, we talked about ways to improve your credit scores. ex.pn/improvecredit
  3. 3. What info is on a credit report? (And what’s not on your report?) #CreditChat Wednesday | 3 p.m. ET
  4. 4. #CreditChat Wednesday | 3 p.m. ET “Credit report contains: personal information, credit history/inquiries, public records and even consumer statements from you!” - @KOFETIME
  5. 5. #CreditChat Wednesday | 3 p.m. ET “Your name, address, payment history on accounts, balances, collections, public records and inquires.” - Jeanne Kelly, @creditscoop
  6. 6. #CreditChat Wednesday | 3 p.m. ET “Four categories of information: identification, account information, public records, inquires. All debt related information.” - @Rod_Griffin
  7. 7. How often should people review their credit reports? #CreditChat Wednesday | 3 p.m. ET
  8. 8. #CreditChat Wednesday | 3 p.m. ET “You can check your own credit as often as you like without negatively affecting your score, so it’s good to check often.” - @Purefy
  9. 9. #CreditChat Wednesday | 3 p.m. ET “Twice a year, set a schedule January 1 and July 1, fresh start to new year and summer fun.” - Jeanne Kelly, @creditscoop
  10. 10. #CreditChat Wednesday | 3 p.m. ET “At an absolute minimum, check your report once every 12 months. It’s free at annualcreditreport.com.” - @Rod_Griffin
  11. 11. What should you do if you find an error on your credit report? #CreditChat Wednesday | 3 p.m. ET
  12. 12. #CreditChat Wednesday | 3 p.m. ET “Contact your creditors and request information on your account. Review and then report to the FTC and file a police report.” - @LeslieHTayneEsq
  13. 13. #CreditChat Wednesday | 3 p.m. ET “Dispute it with the credit bureau reporting it and contact the creditor responsible for it.” - Jeanne Kelly, @creditscoop
  14. 14. #CreditChat Wednesday | 3 p.m. ET “Explain what you think is wrong, why, and include copies of documents that support your dispute.” - @AirForceFCU
  15. 15. What should you do if you’re worried about credit fraud? #CreditChat Wednesday | 3 p.m. ET
  16. 16. #CreditChat Wednesday | 3 p.m. ET “If you are worried about credit fraud, check your report often and consider enrolling in a credit monitoring service.” - @SFCUNews
  17. 17. #CreditChat Wednesday | 3 p.m. ET “Monitor your credit and check the inquiries. Possibly put an alert or freeze.” - Jeanne Kelly, @creditscoop
  18. 18. #CreditChat Wednesday | 3 p.m. ET “Shred all documents with personal information, be wary of what site you give information to and check your credit reports regularly!” - @LeslieHTayneEsq
  19. 19. Why are credit scores important? How are scores calculated? #CreditChat Wednesday | 3 p.m. ET
  20. 20. #CreditChat Wednesday | 3 p.m. ET “Credit scores are a tool used by lenders to analyze the information in your report to determine lending risk. Payment history and utilization rate are 60-70% of a credit score. Pay bills on time, keep balances low for good scores.” - @Rod_Griffin
  21. 21. #CreditChat Wednesday | 3 p.m. ET “Scores are used to approve or deny and also at what interest rate.” - Jeanne Kelly, @creditscoop
  22. 22. #CreditChat Wednesday | 3 p.m. ET “The major factors used to calculate your credit score are your payment history, amount owed, and length of credit history.” - @Purefy
  23. 23. #CreditChat Wednesday | 3 p.m. ET “Credit Scores represent your creditworthiness and are used for loans, employment, insurance, etc.” - @AirForceFCU
  24. 24. How can cosigning on a loan/credit account impact you? #CreditChat Wednesday | 3 p.m. ET
  25. 25. #CreditChat Wednesday | 3 p.m. ET “As the cosigner on a loan, you assume FULL responsibility. If it’s not paid, it hurts your credit.” - @FedChoiceFCU
  26. 26. #CreditChat Wednesday | 3 p.m. ET “Co-sign should just be called JOINT. It is same as if you were taking out loan.” - Jeanne Kelly, @creditscoop
  27. 27. #CreditChat Wednesday | 3 p.m. ET “If you cosign and they don’t pay, it can wreck your credit.” - @Rod_Griffin
  28. 28. What are ways to build a great credit history? #CreditChat Wednesday | 3 p.m. ET
  29. 29. #CreditChat Wednesday | 3 p.m. ET “Paying before the deadlines, and more than the minimum amount required, keeping a balance less than 50% of credit allowed.” - Andie @moneyinmy30s
  30. 30. #CreditChat Wednesday | 3 p.m. ET “By paying bills on time and lowering any outstanding credit card debt. Having accounts open for a long time, varies types of accounts, these are all great.” - Jeanne Kelly, @creditscoop
  31. 31. #CreditChat Wednesday | 3 p.m. ET “Make payments on your accounts on time and in full every month. 35% of your FICO score is based on your payment history.” - @care4yourfuture
  32. 32. What are some of the biggest credit myths you’ve heard? #CreditChat Wednesday | 3 p.m. ET
  33. 33. #CreditChat Wednesday | 3 p.m. ET “Biggest myth is that credit is not important. So not true!” - @JusOnePay
  34. 34. #CreditChat Wednesday | 3 p.m. ET “People think that if they paid off their mortgage, pay cash for cars that they are not a credit risk, they think it’s great credit, people also think a debit card reports on their credit report.” - Jeanne Kelly, @creditscoop
  35. 35. #CreditChat Wednesday | 3 p.m. ET “Myths: It is better to buy everything with cash and it is better to carry balances on your credit cards.” - @CaryCarbonaro
  36. 36. #CreditChat Wednesday | 3 p.m. ET “Myth: If a credit score is bad it can never be rebuilt, so not true!” - @taynelawgroup
  37. 37. Any final tips for those that want to improve their credit? #CreditChat Wednesday | 3 p.m. ET
  38. 38. #CreditChat Wednesday | 3 p.m. ET “Don’t focus on the number. Instead, pay attention to the list of factors affecting your score.” - @jennifercwhite
  39. 39. #CreditChat Wednesday | 3 p.m. ET “Take care of your credit report and your scores will take care of themselves.” - @Rod_Griffin
  40. 40. #CreditChat Wednesday | 3 p.m. ET “Don’t be afraid of it, start today paying attention and you will see a difference soon.” - Jeanne Kelly, @creditscoop
  41. 41. #CreditChat Wednesday | 3 p.m. ET “If you want to close a card because of a fee try to transfer to a non-fee card with the same company, this helps maintain credit card history.” - @Purefy
  42. 42. #CreditChat Wednesday | 3 p.m. ET “Your credit is extremely important for numerous reasons. Make on-time payments on your account and it will help you greatly.” - @care4yourfuture
  43. 43. #CreditChat Wednesdays | 3 p.m. ET Check out all the resources and tips shared: ex.pn/improvecredit
  44. 44. #CreditChat Wednesdays | 3 p.m. ET Join Us Every Wednesday at 3 p.m. ET. experian.com/creditchat

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