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How Shopping Can Improve Your Credit


SHOW NEW ACTIVITY ON YOUR RARELY USED CREDIT CARDS


Did you know that each one of your accounts can add value to your credit score? Every account that you have which is still "open and active" is adding points to your scores. The more points you get, the higher your credit scores. There may be accounts that you're not getting any value from at all. These accounts are your closed or inactive accounts.


INACTIVE ACCOUNTS


Accounts that have not been used in over a year may be reported as "inactive". You get zero value for accounts that are inactive. They might as well be considered a ghost. You can see them on your credit report although they are adding no value. The good news is that new activity will refresh the accounts and you will get full value as if you've been using them everyday. 


HERE'S HOW


Break out all of your old credit cards and go shopping. If you know you haven't used your Macys account since last December, it's time to reactivate that account with some new activity. Don't spend too much. The balances on your revolving accounts have a huge impact on your credit scores so try to keep these balances below 10% of the limit if possible. 


NOT SURE


Get a recent credit report and identify all the accounts that are still reporting OPEN. You may be surprised to see an account reporting that you forgot about or didn't know was approved. Remember that time a few years ago you applied for a store charge card for a 10% discount off your purchase? Perhaps seeing these accounts on your credit report will jog your memory and give you a few options.  


LACK OF RECENT REVOLVING INFORMATION


One of the FICO factors that is most commonly listed as being a detrimental factor is lack of recent revolving activity. If this factor is affecting your scores then using your old charge cards will help a lot.  


CREDIT REPAIR


Christmas is the season of giving but why not give yourself the gift of better credit. Make 2017 the year that you realize your dreams and make that big ticket purchase. Take advantage of our Holiday Discounts. By enrolling in a credit repair program today, it is very likely that you will have better credit in just 35 days. 


GIVE THE GIFT OF CREDIT REPAIR


We offer a 50% discount for your co-applicant.  Buy the service for a loved one as a Christmas present. 


50% OFF for CO-APPLICANTS