Consolidating debt and credit score


31-Jan-2018 20:51

Even if you’re sitting on a pile of savings, a drop in your score could scuttle that dream deal.

One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.

The minute they get their home or car paid off, they’re on the phone trying to get it removed from their credit report.

Negative items are bad for your credit score, and most of them will disappear from your report after seven years.

The reason this strategy can boost your score: One of the items your score considers is just how many of your cards have balances, Ulzheimer says.

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If lenders are using the newest forms of scoring software, then you have 45 days, says Ulzheimer. Older forms of the software won’t count multiple student loan inquiries as one, no matter how close together you make applications, he says.

If you need to boost your credit score, it won’t happen overnight.



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