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Tips To Improve Your Credit Score Finance Articles | November 6 Alec Georgen Jersey , 2008
The five things the credit bureaus look at when your credit score is calculated. You only need to worry about two of these factors to improve your score.


Here are the five pieces on your credit report the bureaus use to calculate your credit score. In addition you will find the approximate value each piece carries in the credit scoring model.

1. Payment History (45%)

This is where the bureaus will weight negative credit items from your report. It will help to improve your score if you can clean your credit from negative items.

However on occasions you may be stuck with a negative listing on your report. There are rumors that after 4 years the impact of a negative listing is drastically reduced. It would be wise to build a positive payment history to help limit the impact of a negative listing.

2. Available Credit to Debt (30%)

This is your available credit versus the amount of debt you have. It will hurt your score if you are using all of your available credit.

The bureaus like to see that you have credit that is not being used. This says you are responsible in your use of credit.

3. Length of Credit (5%)

This is how long have you used your credit to make purchases. If you are new to using your credit it is ok, you can still have a high score.

This factor carries very little weight. Furthermore your use of credit will age naturally Adrien Rabiot Jersey , focus your efforts on more important areas of credit repair.

4. Credit Experience (5%)

What are you accounts on credit in? Do you only have credit cards?

The bureaus like to see diverse accounts. However this is such a small piece of your score that it is not worth opening up new accounts to show this.

You will naturally have diverse accounts with time. Your will open accounts such as; mortgage, credit card Paris Saint-Germain Neymar Jersey , car loan, boat loan and etcetera.

5. Pursuit of New Credit (15%)

How frequently are you applying for new lines of credit? Are you continuously having your credit run?

It will help your score if it does not appear that you are frequently applying for new credit. The bureaus do expect to see a number of credit inquires however excessive inquires will lower your score.

There are people that try and make purchases with their credit every month. For those their score is going to be lowered because of that.

Each credit bureau has a unique scoring model. Thus these corresponding weight values are simply estimates. If you concentrate your efforts on removing negative items from your credit report and build a positive payment history you can achieve a 700 credit score.
Article Tags: Credit Score Neymar Paris Saint-Germain Jersey , Payment History

Paypal is a great site and is used by many to send and receive money. Unfortunately some dishonest people are using the Popularity of Paypal to line their own pockets with gold at the expense of unsuspecting Pay Pal members. These paypal Scam Artists will try to get your Paypal ID and password so they can Login then Clean out your Paypal Account of all funds. Paypal is fully aware of this problem and is doing everything possible to stop this. Unfortunately if someone logs into an account with a valid Id and Password it is very hard for Paypal or any other secure site for that matter to stop it. As a Consumer you need to be educated so you can protect yourself.

A Typical Paypal Scam Artist will send you an e-mail requesting that you update your account. Often this request to update your account is made under some false pretence like it is suspended or has been suspected of Fraudulent use. Here is a Copy of a recent Paypal Scam E-mail I received You will notice the Pay Pal Link on this page looks real. Don't click it. You can however do a right click properties and notice that it is in fact a phony link.

Paypal has an excellent online Article about how to spot Fake E_mails. Much of the Material in this article is derived from the paypal site >
Here are 7 ways to spot a Pay Pal Scam E-mail and Protect Yourself from Identity Theft

1 - Wrong E-Mail Address

Any E-mail Sent to an E-mail Address that is Not Your Primary Pay Pal E-mail Account is more then likely a scam.

2 - Fake links

After you click on the Link if it doesn't Start then it is a Fake Link. Even if it says Paypal in it somewhere it is a Fake Link. The term "https" should always precede any website address where you enter personal information. The "s" stands for secure. If you don't see "https," you're not in a secure web session Womens Neymar Jersey , and you should not enter data. (This goes for any payment Processor including your online Bank Accounts)

3 - Subject Lines

Subject like Please Restore Your Account Access.

4 - Generic greetings

Lot's of emails begin with a Greeting, such as: "Dear PayPal member. Paypal knows the name you used when you registered your account

5 - Action Required Now

Many Fake emails try to trick you with the threat that your account is in jeopardy if you don't sign in and fix it NOW!

6 - HTML Emails

Emails that appear to be websites. Some emails will look like a website in order to get you to enter personal information. PayPal never asks for personal information in an e-mail.

7. Misspellings and bad grammar

Fake emails may contain misspellings Authentic Neymar Jersey , incorrect grammar, missing words. Many Times these are used to trick the E-mail Filters

A quick review

If you receive an E-mail with a Link requesting you to click on the link and sign in to your Pay Pal account Neymar Jersey , Don't Do It!

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