https://padlet.com/aydenredlight/g328bx2a9bny Made with hard work and determination en-us 2020-03-30 00:14:29 UTC 2023-05-20 17:07:26 UTC hello@padlet.com https://padlet-uploads.storage.googleapis.com/437766291/363f7aef0b4df7e2cb279f0e06613df7/credit_score.png aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481114946 Our Padlet includes the best tips, tricks and strategies to maintain and improve your credit score if or when, you get into trouble. 

Within this Padlet we have included informative websites that can be utilized by everyone, as well as videos and images that give a great visual to improve your knowledge on improving your personal or business credit. ]]> 2020-03-30 00:24:22 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481114946 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481120487 This video shows...
This video is an excellent video on explaining credit score and how to dramatically increase your credit score. He suggest steps into improving scores is to aggressively pay of your credit cards. also to pre pay your card before the amount is due to keep your utilization at zero, which also helps to budget and also to not default on any of your cards

I chose this video because I feel that it is a great introductory video, explain what affects your credit score. He does a great job of going in depth and explaining each step.  I also went ahead and read some of the comments on his video before watching  and the reaction seemed positive. The comments show that his methods seemed to have worked.]]> 2020-03-30 00:33:57 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481120487 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481123571 This website is an easy and great read. It covers everything in depth from the start of how a credit score is calculated, how to improve and what you y not know about credit scores. This article follows the same ideas as the video #1 which are to pay bills on time, keep utilization low, and only apply and open new cards as needed. One thing this article included which is handy was how long it takes to rebuild your credit score. 

This website was a great choice because it was laid out nicely, very in depth. The website included more than three options on how to improve your credit score The piece of information that I found very useful and unique was explaining how long it may take to rebuild your credit score]]> 2020-03-30 00:40:00 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481123571 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481136278 In this video it begins of with things to stop doing to increase your credit score is to have stability in your life, what he mens is to hold  a job and try to not move round a lot. He also suggest to stop shopping around credit if you are denied the first time. This video also has the same plan as the first video which is to pay off your credit in full each month and to keep utilization, never charge more than 50% of your utilization. 

This video really stuck out to me because the creator of the video is Canada and all of his tips were used by himself in Canada. The best idea he gave that had been unique had been to stop doing certain things and improve stability.]]> 2020-03-30 01:03:52 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481136278 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481143633 This video is great for college students because it is a long term plan. The idea behind a long term plan is a less aggressive and helpful if you are a person who is a long time away from planning on getting a mortgage. The optimal strategy is to get more cards when you are younger. Except if you get cards at a young age look for cards with no annual fee  or cards with an annual fee but do not require much spend. To use this method you must be a financially responsible person and be willing to take the time to make it work.

I chose this video because a long term plan is something that would apply to me as a college student. The piece of information that stuck out to me is that you should collect cards at a young age.]]> 2020-03-30 01:18:24 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481143633 aubertinshelyn https://padlet.com/aydenredlight/g328bx2a9bny/wish/481144436 In the photo provided, it gives us seven 'best ways' to improve your personal or business credit score. 

I chose this image as it gives us reasonable information that everyone can do within their own limits. Even if you are unable to fully complete each credit tip at once, utilizing even one, can start to increase your credit score and hopefully, make you motivated to try more. 

https://www.jnadealerprogram.com/blog/business-loan-credit-score/]]> 2020-03-30 01:19:57 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481144436 aubertinshelyn https://padlet.com/aydenredlight/g328bx2a9bny/wish/481150470 This image states the percentage of information from the FICO, that effects your credit score the most in hopes to help the understanding of your personal or business score. 

I feel this image is very informative even if it is directly related to the FICO, it still gives a great example of what to be mindful of when thinking of improving your credit score. 

https://www.creditzipper.com/wp-content/uploads/2016/11/Credit-Score-101-Infographic-512x1024.jpg]]> 2020-03-30 01:31:32 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481150470 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481153691  This video suggests to monitor your credit score every few months on website that are deemed soft inquires that do not harm your score. This video says to quit using cash and pay with credit and then use that cash to pay off your credit card. The creator's ideas follow suit with all the ideas from others. Which is just to keep low utilization, do not cancel old cards and pay bills on time or early.

This video was appealing because it was a younger guy from Canada. The information that I found useful was how to check your credit score without damaging it, which are soft inquires and do not impact your score. ]]> 2020-03-30 01:37:38 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481153691 aubertinshelyn https://padlet.com/aydenredlight/g328bx2a9bny/wish/481155588 This website, Investopedia, gives general information to all things investments. They have a full section of Credits; how to improve, what a bad credit looks like and what hurts your credit score. They also provide you with education article, tools and simulators along with information of market news. 

I chose this website as I thought it gave a great seven-step strategy of the best ways to improve your credit score. The most interesting point I felt they made was information on 'making the most of a thin file'. They give you examples of new programs that will help you "thicken" a credit file into being able to improve or at least start a credit score. ]]> 2020-03-30 01:41:39 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481155588 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481163488 The Strategies listed on this website are very basic. This website would be useful for someone with not much knowledge with credit score and just looking for an easy fix. The steps given are similar to all the others that have been given so far, low utilization, pay bills on time, use credit more often. The one given that is new is to lead old debts on your credit report if you have nothing else to work with, it is hard to have a credit score with a credit history. Plus if you are looking to improve your score might as well show everything anyways. 

This website was chosen because it has very basic and easy steps for improving your score.  The information that I took from this website was that when wanting to improve your score you should leave your old debts on your credit report.]]> 2020-03-30 01:57:16 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481163488 aubertinshelyn https://padlet.com/aydenredlight/g328bx2a9bny/wish/481165355 LoanMe website is an American website for anyone's personal or business loan needs. They give an easy application method as well as information on different loans and credit. 

I have chosen this website to post as it gives four steps based on answering the question; "is it possible to improve your credit score in 30 days?". The best information I took away from this site was the idea of becoming and "authorized user" this gives individuals with a high credit score the ability to sign onto another persons lesser-credit score ultimately increasing their chance of receiving loans and increasing their own credit score. ]]> 2020-03-30 02:00:51 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481165355 aydenredlight https://padlet.com/aydenredlight/g328bx2a9bny/wish/481172767 1. The most surprising thing that we learned was that a person can co-sign onto a credit, which is helpful for younger adults who do not have credit history.
2. This topic is extremely relevant to myself and my partner as young adults. With being young and just getting our first credit cards we are not quite too sure how they work. I feel that both of us have learned a ton. Credit scores are crucial to being adult wether that is buying a car or house you must have good credit.
3. The knowledge that i would pass on would be to quit using cash and use credit to collect the reward like cash back, and just use the cash that you have to pay it off immediately. The other would be to monitor your credit score using soft inquires just to have an idea of where you are at. The last would be to always have a plan in mind on how to maintain your score or improve it. ]]> 2020-03-30 02:15:07 UTC https://padlet.com/aydenredlight/g328bx2a9bny/wish/481172767