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Credit score is most important aspect for everyone because it is the way by you can get mortgage approval from bank and make good impression on bank.

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so here in this web site their are certain tricks to improve you credit score faster one of the tricks are make someone your primary account holder who has a better credit score so what does that mean it does mean that when you use that person as a primary account holder and after some time you can separate your account so it will climb your credit score 35 to 40 points in most cases they also talk about not to be as a co signer for someone as you are taking risk by trusting that person if he does not paying his payment regularly it will affect your credit

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GET AN 800 CREDIT SCORE IN 45 DAYS FOR 2019

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there are certain factors he has talk about in this video to increase your credit score dramatically there are certain factors which affect on your credits which are credit card utilization , payment history, age of credit , total account and credit inquiries it means that if one of your credit card is 1 year old and the card is 5 year old the older card will affect more compare to the new card because it Has a old credit history compare to new total account Aldo affect on your credit. it also affect that your are using your credit card regularly or not and finally credit inquiries also affect on that because once you apply for new mobile phone on credit or new car it will affect your score yo 10 to 15 points on every hit

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How to Dramatically Increase Your Credit Score (Short Term Strategy)

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there are certain way shows here to improve your credit score by it is for the people who has very low credit score around 300 to 500 so if you have a very low credit score you can go with this. to improve your score just try to make your payment on time and if you can't do it go to the agencies who can do it for you there is one more idea which will affect your credit score which is add your self to someones account who has good credit score and who is making his or her payment on time it will not going to effect his or her credit but it will improve your credit for sure because he or she is making payment on Time

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RAISE YOUR CREDIT SCORE 150 POINTS IN 7-14 DAYS! | INSANE CREDIT REPAIR | FAST

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this is the video I like most in all four video because it is giving me an information on credit card payment when to pay credit card and how can you manage you credit card. so what ever you spend throughout the month it does not matter to credit bureau that data will on save by your credit card company
The thing matter to credit bureau is your closing balance so it means that what ever you spend throughout the month try to payoff 90% of that payment before the end of your bill cycle which will increase your score regularly.

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When To Pay Your Credit Card Bill And Increase Your Credit Score!!!

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Transition is one of the legal authority who provide credit score to banks. so this will be most easy and convenient way to know how to improve credit score there are certain ways over here by which you can Improve you credit you need to pay your bill payments on time watch your credit card balance frequently do not open new credit card account in short times when you plan to move somewhere always alert banks before you move so you get your documents to your new address and you don't miss out and payment.

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How to Improve Credit Score | TransUnion

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It takes time to improve credit score, but learn some steps that may help you improve credit score and rebuild your credit.

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this is the web site where you can find certain way to improve your credit score they have also given a some common answers of the our question like do not hit more inquiries on your credit score it will bring your credit down make your credit card payments on time do not miss minimum payments and balance owe at the day of statement issue the other tricks are to set up pre authorized payment on your car loan or insurance and your mobile bill payment. keep looking to your account frequently to keep updating with your account.

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How to Improve Your Credit Rating (Credit Score) in Canada While Staying Out of Debt | My Money Coach

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When you apply for credit, lenders look at the whole picture to see if you've got balance. You need some money saved, not too much debt and enough stable income to meet all of your obligations. Lenders and the credit reporting system know that someone only has a set amount of money available each month to make debt payments.

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in this image ww can see that they have provide percent tase that how much percentage factors affect to your credit score as we can observe in it that 35% of that is affected by payment history and 30% by credit utilisation so when can focus on this factors more credit mix and and new credit affects 10 % and your credit history affect 15%

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in this image we can observe that they have provide some steps to improve c credit score most of the steps are an shown in previous videos and web site like always pay your bill on time don't open and close account frequently keep credit card balance low keep the debit to credit ratio less than 30%

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web site 2 - improving your credit score

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web site 2 - improving your credit score

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this is the official website of government of canada which shows you certain way to improve your credit score there are certain ways like pay your bill on time always monitor your payment history use your credit card as much as you can and make payment on time limit your credit application or credit check use different types of credit like car loan line of credit and credit card do not use credit card only. a mix of credit products can improve your credit quickly but at the same time you have to pay your credit card. try to make some of your mobile bill and car loan or your insurance  payment preauthorized to improve your credit score.

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Monitoring your payment history

Your payment history is the most important factor for your credit score.

To improve your payment history:

always make your payments on time

make at least the minimum payment if you can't pay the full amount that you owe

contact your lender right away if you think you'll have trouble paying a bill

don't skip a payment even if a bill is in dispute

Get electronic alerts from your financial institution

Your financial institution may send you an electronic alert when the credit available on your credit card falls below a certain amount.

These alerts may help you manage your day-to-day finances, such as your credit payments.

Learn more about these electronic alerts.

Using credit wisely

Don't go over your credit limit. If you have a credit card with a $5,000 limit, try not to go over that limit. Borrowing more than the authorized limit on a credit card may lower your credit score.

Try to use less than 30% of your available credit. It's better to have a higher credit limit and use less of it each month.

For example, suppose you have a credit card with a $5,000 limit and an average borrowing amount of $1,000. Your credit usage rate would be 20%.

If you use a lot of your available credit, lenders see you as a greater risk. This is true even if you pay your balance in full by the due date.

Improving your credit history

The longer you have a credit account open and in use, the better it is for your score. Your credit score may be lower if you have credit accounts that are relatively new.

If you transfer an older account to a new account, credit bureaus consider the new account as new credit.

For example, some credit card offers come with a low introductory interest rate for balance transfers. The new card on which you transfer your current balance is considered a new credit product.

Consider keeping an older account open even if you don't need it. Use it from time to time to keep it active. Check your credit agreement to make sure there is no fee if you keep the account open.

Limiting your number of credit applications or credit checks

Credit inquiries, also known as credit checks, count toward your credit score. It's normal and expected that you'll apply for credit from time to time. When lenders and others ask a credit bureau for your credit report, they record it as an inquiry.

If there are too many credit checks on your credit report, lenders may think that you're:

urgently seeking credit

trying to live beyond your means

To control the number of credit checks on your report:

limit the number of times you apply for credit

get your quotes from different lenders within a 2-week period when shopping around for a car loan or a mortgage. Credit bureaus will combine and treat your inquiries as a single inquiry for your credit score

apply for credit only when you really need it

"Hard hits" versus "soft hits"

"Hard hits" are credit checks that appear on your credit report and count toward your credit score. Anyone who views your credit report will see these inquiries.

Examples of hard hits include:

credit card applications

some rental applications

some employment applications

"Soft hits" are credit checks that appear on your credit report. They're recorded on your credit report but only you can see them. These credit checks don't affect your credit score.

Examples of soft hits include:

requesting your own credit report

businesses checking your credit report to update their records about an existing account you have with them

Diversifying your credit

Your score may be lower if you only have one type of credit product, such as a credit card.

It's better to have a mix of different types of credit, such as:

A mix of credit products may improve your credit score. Make sure you're able to pay back any money you borrow. Otherwise, you might end up hurting your score by taking on too much debt.

Related links

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What affects your credit score and how to improve it.

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on this website they has given information about the organization which has responsibility to give credit report to banks which are TransUnion and Equifax these are standardised organisation in canada there are some other information which also provides on this web site like if you find something wrong in your account like wrong inquires or something immediately contact these organizations also give them report so that they can help you with that pay your bills on time do not miss out the payment date and minimum payment of your credit card pay 70% payment of your purchase in last one month do not over limit your credit card it Weill give negative impact on your credit history.

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How to Improve Your Credit Score | Credit Canada Debt Solutions

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Get help with your credit score from the professionals at Credit Canada. We can help improve your score the right way so you can move on.