WANT TO IMPROVE YOUR CREDIT SCORE?

You are feeling cramped in your current home and know you need to upgrade to a larger apartment or home, but are not certain if you will be able financially afford it with your current credit score.  Here are 6 things you can do to help yourself and your credit score.

Disclaimer:  I am not a financial adviser, but I do understand the basic concepts of finance.  I always recommend seeking a professional financial adviser if you are in need of financial guidance.

Steps To Establishing Good Credit

1. Pull your credit report - This will give you a clear picture of your financial health and help you establish a plan to improve your credit standing.  It will take discipline to create and stick with your plan no matter what.

2. Evaluate your spending habits - I know where the money is coming from the question now is where is it going.  Are you wasting your money on a lot of "nothings" or am I "robbing Peter to pay Paul"?  Can that money be better spent attacking my debts?

3. What is your WHY? - What is motivating you to get out of debt?  You need to clearly identify your WHY.  Write it down; paste it on your mirror in the bathroom; post-it on the steering wheel of your car, but keep it ever before you.  The clearer the WHY the more it will better serve to drive you to financial freedom.

4. Celebrate milestones - you need to psychologically and emotionally give yourself a "high five" when you see your credit score improve significantly.  Set measurable goals and celebrate (within reason) when you reach that goal.  Take pride in what you are doing and why you are doing it.

5. Take Action - the best laid plans are just that if you don't act on them - just plans.  You need to follow your plan, track your successes and fine tune areas that need improving.  

6. Give it away - find avenues where you can give to others.  Life is built on the principle of sowing and reaping.  Consciously look for ways to be able to help others through giving.  

Following these six things will achieve two things.  First, improve your credit score; but more importantly build your self-confidence knowing you have discipline and integrity through achieving financial freedom.