How to Raise Your Credit Score: Five Easy Steps

Raise Your Credit Score

A bad credit score can lead to a whole host of problems, many of which have little to do with actually using credit. Nowadays, it’s become ordinary for landlords and employers to run credit checks on those applying to rent a home or find a job.

However, even if you have a terribly low credit score, there are a few ways that you can improve it relatively quickly. To start working on your score as fast as today, here are five simple steps worth taking:

Raise Your Credit Score

1. Stop Overspending

While unforeseen emergencies can lead to a bad credit score, overspending and living beyond one’s means can also play a significant factor. If this is you, it’s time to get real and stop overspending, or you’ll never be able to achieve a stable credit score. If you can, stop making charges on your credit card all together so that you can work toward paying off a manageable amount of debt each month. It sounds simple, but it’s beneficial – stop spending, and start saving!

2. Never Let a Bill Go Unpaid

You may think you can get away with not paying bills, but you really can’t. An unpaid bill will eventually go into the hands of debt collection agencies, which will severely damage your credit score. A massive bill can, of course, seem intimidating but bear in mind that many bills (such as medical bills) can often be paid off in installments that make the burden of paying them back a little less severe. Ideally make paying bills on time a priority, as unpaid bills really will wreak havoc with your credit score.

3. Never Max Out Your Credit Card

Maxing out a credit card is bad news, as your interest rate may skyrocket along with your credit score. Avoid maxing out your card at all costs and try to keep your credit balance significantly lower (and ideally nowhere near) your card’s credit limit. Don’t sign up for additional credit cards just to pay off the charges you have on others, and only resort to using your card for big purchases when you need some emergency money and have no other way to get it.

4. Avoid Making Late Payments

Each month your credit card account will state how much is owed, and offer a minimum payment amount as well. Avoid not paying anything, as this will lead to late fees, increased interest rates and of course cause further damage to your credit score. Ideally, pay the total of your balance and if you cannot afford to do this at least pay the minimum.

5. Check Your Credit Report

Once you know your credit score, right or wrong, don’t stop there. Thoroughly read through the report to see what is affecting your score, as mistakes made by the credit bureau are much more widespread than many people think. Carefully analyze every claim and remark and if you find anything that you feel needs disputing, don’t be afraid to contact them yourself and discuss it. You never know, the error could be on their part, and once realized allow your score to jump up considerably.

Paying by credit card is easy and comfortable

Don’t let a bad credit score negatively affect your life – take action by following our steps today! Good luck!

Looking for the Right Work at Home Based Business?

Home Based Business

Nowadays, many people are searching for a legitimate work at the home based business program to help make a little extra income or replace their current 9 to 5-day jobs. Most of these people will not have the necessary funding to start your standard walk in business what the solution for them is?Start an Internet work at home based business! It is home based, so you don’t need to invest your money in a new office, equipment or any other costly stuff to get started.

Having a successful does not happen quickly. There is a learning process which does require some time and effort.Not all work from home programs are created equal or work for everyone. You will need to find the best work at a home based business that fits you and your needs. But building an online home based business has become much simpler, and you don’t need a College Degree in Marketing to run one.

Home-Based Business

So how do you succeed in your online home based business? You need to think about what you would like to do. It’s best if you follow your passion or something you have knowledge in. You’ll have a better chance of success with your home based business if you do something that you enjoy.

Home based business ideas don’t have to be clever, and you don’t have to come up with the next big idea on your own. If you’ve got an idea of what you’re interested in, could be something you’re passionate about, there’s a pretty good chance that there is already an opportunity out there that you just have to plug into, to quickly start your own home based business. A beautiful place to find which work from home based business opportunity is right for you is to take our online work in the home based business survey and be matched with several choices that fit your needs.

College Degree in Marketing

That’s one of the best things about legitimate work at home based business opportunities; they are really easy to find. One proven home based business opportunity called can give you all the tools you need to start a successful business. You just take some interest that you have, add their proven process for constructing a high traffic web site, follow their step by step guide to success, and you’ll have an instant successful home based business.

A great reward to owning your work at the home based business, besides being affordable, is that you can set your schedule. Having your own online home based business allows you to work as little or as much as you want. Of course, if you want your business to produce a full-time income for you, you need to put more time and effort than if you are just working part-time.


So, if our ready to be your boss and drive yourself towards the financial freedom you have been searching for, having an online home based business will kick-start your goals. It just doesn’t get any better.

Success Behind a Computer Screen: Work From Home Online

Get Paid

Most of us have, at one point or another, fantasized about firing our bosses and working for ourselves. And if we could work from home, well, that would be a bonus. Throw into the mix the ability to make money by working online, and you have an entirely attractive proposition.

Many companies are keying into the fact that their employees may be happier and more productive working from home. They are allowing their employees to work from home either some or all of the time. The Internet makes it all possible. There is a host of ways you can work from home online.

Get Paid for Your Opinion

Paid surveys are an excellent way to work from home online. You can earn extra money just for giving your opinion. In many cases, the process is even fun! If you don’t mind answering questions and filling out forms, then this could be the opportunity for you. Marketing research companies and corporations pay big bucks to get an answer about their products. This process helps them with their product development, providing information that is priceless to their success. Although the rate of pay does vary depending on the company, if you are dedicated to it then you can earn real money.

How to Get Paid What You're Worth

Shop ’til You Earn

If your idea of heaven is shopping for the next great treasure to add to your collection (or your closet!), then consider taking part in a paid-to-shop program. These programs offer either cash or products in exchange for shopping at specific businesses. All you need to do is fill out a survey that outlines your experience at the store, and you earn quick cash.

It works on the same principle that the market research studies do. Companies need objective opinions, and they are willing to pay to get them. If you are computer savvy but don’t want to spend all of your time online, then you may be able to find a company that hires mystery shoppers. These customers go out to brick-and-mortar stores and then report back about their experiences.


Affiliate Programs

Selling products or services through affiliate programs can be an excellent way to make money at home online. Affiliate programs are an easy entry into the work-at-home market because you don’t have to stock any merchandise. Essentially, you are promoting someone else’s product or service online. When the items sell, you get a commission. There are countless affiliate programs for just about every product imaginable, so it should be easy to find one that suits you.

Affiliate Programs

Become a “Mompreneur.”

Thousands of moms are turning to their computers to make money through their businesses. There are vast opportunities out there for moms seeking a work-from-home online opportunity. Consider making or doing something you love, such as:

* Crafts. Offer instructions on how to make custom scrapbooks, homemade bath and beauty products or Christmas ornaments.

* Cooking. Create custom recipe books.

* Typing. Provide data entry or transcription services.

* Teaching. Tutor or first online classes.


If you are serious about making money at home online, consider starting your own business. You can start a website and sell your products or services. You also can sign on with a company that will provide you with a proven business model and products.

If you are keen to start working from home online, give one of these ideas a try or use them as a jumping-off point for your ideas. With a little innovation and a whole lot of elbow grease, you can make your home business a roaring success.