Improve His credit score, set yourself goals:
- Check your credit report every three months, the first step to improving your credit health is to see the bad financial habits (such as late payments) revealed by your credit profile. Regular checks also allow you to protect yourself against identity theft.
- Improve your credit score by 50 points or have it exceed 650: a higher credit score to 650 will help you qualify for most credit cards and loans. The higher your score, the better the interest rate you will be offered. Meet a credit repair counselor to help you.
- Reduce your balances below 35% of your available credit limits: reducing your balances while continuing to actively use your credit, you inspire more confidence among potential creditors and could improve your credit score.
- Create a “budget expenditure” monthly and be faithful about it: this simple resolution can help you save money and prevent you accumuliez of unmanageable debts.