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Credit Card Applications » News » Other » Good Credit Gaining

Good Credit Gaining

May 31, 2007 | Updated on May 31, 2007
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The content is accurate at the time of publication and is subject to change.

Apply online for a credit card with a good score

If you are looking for a way to apply online for a credit card and get approved for that very same credit card then there are indeed steps that you can do in order to improve your credit score. When you fill out credit card applications online and send them in they are looked at and evaluated in exactly the same way that your initial paper applications would also be evaluated.

In other words, the medium does not change the message and the contents of your credit report in both cases are used to compute the credit score that is the final judge of whether or not you deserve to have the credit card for which you are applying.

If you have bad credit history then you are going to have bad credit. No credit agency in the world will use anything other than the information contained within your credit report in order to calculate your credit score so the only way to help yourself then becomes to improve your credit score.

Before we discuss some of the ways that you can go about doing this it is important to remember that there is no magic bullet miracle method that will help you fix bad credit history within a week. You did not get yourself into this situation overnight and therefore it is very illogical to assume that you’ll be able to get yourself out of this situation overnight.

It is simply not a realistic way of looking at things and beware of anybody trying to tell you otherwise in the same breath that they are pushing something like consulting services onto you. It simply will not work. Now that you understand that, let us cover some methods that you can use in order to improve your credit score.

Method #1: The first thing you need to do during your mission to fix your bad credit history is to find out exactly what you’re up against. To that end, it is important that you obtain a copy of your credit report and then look through it to see what information it contains.

In order to do that you need to get in touch with all of the three major credit bureaus (TransUnion, Experian and Equifax) and ask them to send you the information that they have on you.

Go through each of the reports in thorough detail and make sure you note down any inaccuracies or out of date information. Inform the credit bureaus of these mistakes and once you have the updated and correct information in place you can start to do things to correct the bad credit history itself.

Method #2: There are many things that affect a credit score but by far the most damaging thing you can do to yourself is establish a bad credit history through missing payments.

Make sure that you make the minimum payments on all of your credit cards, bills and everything else and you will see your credit score slowly start to creep up as you start building confidence within creditors once again.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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