Raise Credit Score

Raise Credit Score

Learn How to Improve Your Credit Score

Your credit score determines your creditworthiness to potential lenders. The higher your score is the better you will look in the eyes of lenders. Learn how to improve credit score regardless of whether you are using credit cards, debit cards, or both. We can teach you ways how to avoid financial blunders that can affect your credit standing. Call Londyn’s Financial Services LLC today to increase your credit score today!

Our Credit Score Improvement Agency Can Help You in These Ways

  • Tips on How to Use Credit and Debit Cards
  • Create a Payment Schedule for Your Bills
  • Remove Errors in Your Credit Report
  • Learning Resources for Credit Score
  • Steps on How to Use Credit Responsibly
  • Determine Problems in Credit Report

Boost Your Credit Score

Increase credit score with Londyn’s Financial Services LLC:

  • Steps on How to Use Credit Responsibly
  • Create a Payment Schedule for Your Bills
  • Determine Problems in Credit Report
  • Remove Errors in Your Credit Report
  • Tips on How to Use Credit and Debit Cards

Credit Cards

Most credit card users make the mistake of spending money that they don’t have. Once they realize their mistake and pay their dues, they often avoid using their credit cards. This is a mistake and we’ll tell you why.

Debit Cards

Debit cards let you tap into the money you have in your account. Some assume that debit card spending is reported to the credit bureaus to boost credit score. This is not true but our credit score improvement agency can show you other ways to improve your credit score.

Boost Your Credit Score

There are different methods to raise credit score, but most of them will take time before you see results. With our credit score improvement services, we will help you take the right steps to boost your score.

Credit Comparison

Take a look at this credit comparison of two people: James and Frances. Take note that their initial credit scores are 100 points apart.

James’ credit score is 680 and:

  • He has six credit accounts with several credit cards that are active. He also has a student loan, mortgage, and auto loan.
  • His credit history spans eight years.
  • His credit card utilization is moderate.
  • Has two delinquencies. First is 90-day delinquency on one of his credit cards two years ago. The second is 30-day delinquency on his active auto loan.
  • Doesn’t have any accounts for collecting and no negative public records on file.

Frances’ credit score is 780 and:

  • She has ten credit accounts with several active credit cards. She also has a student loan, mortgage, and auto loan.
  • Her credit history is already 15 years in total.
  • Her credit card utilization is low.
  • She hasn’t missed any payments on her loans.
  • Doesn’t have any negative public records on file.
James Frances
Current Credit Score 680 780
Scores after adding one of these in their credit report:
Maxing out a credit card 650-670 735-755
30-day delinquency 600-620 670-690
Settling a credit card loan 615-635 655-675
Foreclosure 575-595 620-640
Bankruptcy 530-550 540-560
Based on the comparison, you can see that there are several factors that can affect your credit score. In fact, Frances’ numbers went down further compared to James’. This is because of the delinquencies on James’ records that show he is a high risk. Adding another increased risk to his credit report does not have a significant effect on his numbers.