Coffee and Credit · RSC CREDIT CLUB

Coffee and Credit

Trying to fix everything at once!! You want to work on as many disputes as possible, so that when you send them in you can see a BIG return around the same time. The more the disputes the better the results. Your credit improves faster when you focus and have order.

2. Ignoring balances while chasing deletions you want to focus on the balance and not so much on the negative things. Utilization matters every month so keep utilization under 30%.

3. Checking scores too often instead of reports!! Your report is more important than the number.

4. Closing old accounts too soon can shorten your credit history and raise your utilization. Credit history is just as important as your utilization.

5. Expecting immediate results!! Credit moves in cycles not in days. Understanding your credit cycles and knowing when things are due attached to your credit report. Reading your credit report and understanding what's on it. When you know what's on your credit report, you know what to work towards.

Does checking your credit report affects your credit score? NO, it does not! You want to check your credit score regularly to make sure it is accurate.

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