No longer Pay High Interest Rates, Rebuild Your Credit Score – Part-II

Within the first part of the article series, we understood how FICO score is definitely calculated. We also saw the particular course of action to rectify an error. Right now, we will discuss ways in which we can improve your credit score. Ways which will turn your own bad credit into pristine credit score.

Improve Your Score with These Tips

It’s not your destiny to suffer from high rates of interest for the rest of your life. Your score is just a snap shot of your present economic strength. You can always work on it and improve.


Juggling work and family is a tiring process. It is very difficult to keep up with all the payments. So , set reminders via e-mail or SMS. Several banks provide payment reminders also. You can make use of them. Another way is to pay instantly through your bank account. This will save your period and make sure that your payment will be never delayed.


Late payment is considered a sin in the process of improving your credit score. But , it is definitely hard to keep up with them. So , here is a tip for you.

Preferential Payment

We perfectly understand that making all the obligations is very difficult in this economy. So , you can go for Preferential Payment.

Pay for just those bills which are reported towards the credit bureau. There are few bills which can be paid later. You will certainly be penalized for late transaction but it will have less impact on your credit report.

Such bills include:

> > Utility bills like Cable, electrical power, water, cell phone
> > Medical Bills
> > Payday loans

This tip is useful if you are totally tied up and cannot pay. This doesn’t mean you should stop having to pay the bills.
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If you do so , there are chances of the collection agency getting active. This is bad for your credit report.


Having an inadequate credit rating will definitely have a negative impact on your credit score. If you have a good credit history, anyone will offer you a loan. But if you don’t have any background, how will the lender determine your credit worthiness?

Therefore , if you have any creditors who tend not to report your credit history to the bureau, keep these things do so every month.

This will gradually help you develop a credit history.


Keeping up with payments is almost impossible nowadays. So what you can do is call your creditors and ask them to keep your accounts “current”. Negotiate lower monthly payments and be sure you pay it regularly.