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Maximize Your Credit Score

Did you know that 35% of your Credit Score comes from Credit Card use! That's right, so if you don't have credit cards or you do but don't understand the "rules" to maximize your score, then check this out!

Help raise your Credit Score with this lesson!!!


Here are 7 rules that will help you Increase & Maintain an Excellent Credit Score:
1. Have no more than 3 to 5 cards (preferably not dept. store cards).
2. Should have at least 4 yrs of history.
3. Never open & close multiple cards — this will lower your score. If you need to close cards, close 1 every 3 months.
4. Use each card every month if you can. Use the cards in place of cash or debit cards and then just pay cards with cash from bank account.
5. Not using cards for several months will cause your score to drop – no credit use – no way to score you.
6. Never charge above 25% of the limit at any time. If you do, pay it off or at least down to 25% ASAP!
7. Carrying a balance month to month doesn’t improve your score – you can pay the cards off in full every month and avoid interest.

It is very IMPORTANT to make sure you have Credit Cards to BUILD your credit. If you’ve had problems with credit cards in the past and find it hard to get one now, we can recommend a few companies that help credit challenged people even those who have filed bankruptcy.

If you were instructed by your case manager to open one or more secure lines of credit and have not done so, please visit our resources page for different options.

We recommend watching this short video on how credit cards affect your score.

Invest in your future. Realize your dreams. Change your life.

 

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NEWS & Updates

Credit Education with AMCAP Home Loans

26-Feb-2019
Join Rising Point Solutions and AMCAP Home Loans (Yvonne Grayson) for our 2-hour CE Course on Cr..

Credit Education with Gateway Mortgage

25-Feb-2019
Calling all Houston Realtors! Come join us for an amazing CE course and happy hour to follow. ..

Credit Education with Supreme Lending & Boston National Title

21-Feb-2019
Hey Dallas Real Estate Agents, come join Rising Point Solutions, Supreme Lending, and Boston Nat..

Did you miss our Fort Worth Happy Hour?

21-Feb-2019
Then join us for our Dallas Happy Hour Event on February 21st from 5:30-7:30pm at Blue Mesa in Plano..

Credit Education with Guild Mortgage

19-Feb-2019
Join us on February 19th from 11:00am - 1:30pm for Credit Education for Realtors with Guild Mort..

Credit Education with The Morine Group

07-Feb-2019
Rising Point Solutions is excited to be hosting our Credit Education for Realtors for The Morine..

Tune in TONIGHT!

22-Jan-2019
Tune in at 7:30pm central tonight to watch our Bilingual Regional Manager, Alfredo Guerrero talk..
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Disclaimer: Improvement of your credit score and/or particular results vary per client. We cannot guarantee any results or improvement as stated in our Guarantee Disclaimer. Following our best results practices and educational consulting, we do typically see improvement in credit scores.