Simavo's Profile

ProfileLast updated: May 20, 2024

Nickname

Simavo

Description

I've been a frequent flier for as long as he can remember, from studying abroad in Paris to moving to Shanghai after graduating college

Self introduction

How to hack and improve my credit scores

There is no secret trick as such to increase your credit scores. To improve your credit, you need to better understand what it is and how your financial behavior affects you. Then you need to follow the best practices that will help you increase your score.

There are 5 main components of a credit score.

Payment history: based on the borrower's payment history. This is the most important factor. Making regular payments on previous credit is very important. Try not to be late for your credit card and other credit payments.

Credit Utilization - Make sure you don't max out credit cards. It is important to maintain a good utilization rate (<30% of your credit limits if you have a large enough line of credit).

Length of credit history: It is important to show that you can use credit consistently and responsibly, which is why the length of your oldest credit account is also important.

Credit mix: Having different accounts and types of credit accounts can show that you can manage different types of debt.

New credit: a low number of recent credit inquiries is important to show that you are not looking for credit all the time.

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