If i want to buy a house in five years, what should i do to improve my credit?
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Heather
make sure you never mis your payments. if you have a good repayment history they will hold that in high reguard.
these phone bills could make it harder for you to get a house but if you have a good excuse it may be ok. just pay it off asap.
the best thing you can do is just pay everything off and keep your credit clean from now on.
Clarence
1. Check your credit report to make sure all information are correct. You’re entitled to one free one per year, see link below.
2. Never be late with payments.
3. Credit information last 7-10 years, so your collection from that period most likely won’t impact you.
4. Make sure to keep light debt balance ratio, meaning don’t take up too much debt.
5. Have steady income.
Gloria
ive heard that charging no more than 30% of your limit ( that would be 1200) on your credit cards looks good, the less you charge on a monthly basis the better. so try and pay that credit card off. it looks like your doing good. i believe marks stay on your credit file for about 7 years so as long as you dont have any more negative items you should be ok