More and more people are realizing that maintaining a high credit score and understanding their credit is vital to their financial well-being as well as their life in general. The fact is, financial stability is so important that even people who have romantic interests are looking at credit together in order to make sure that they have “financial compatibility”.
One misconception that many people have is that there is no way to improve their credit scores, or at least improve them quickly. In most cases that’s actually false but, because people think it’s true, they choose to do nothing. While improving your credit is not instantaneous by any means, it is relatively easy and straightforward. In many cases the results can come rather quickly as well. In most cases, it’s better to spend just a few minutes a day (15 or less) rather than sweating over your credit scores and credit report for hours at a time and, indeed, this small amount of time on a daily basis can actually reap huge rewards. With that in mind, we’ve put together a list of things you can do in less than 15 minutes a day to improve your credit score. Enjoy.
- First, if you’re faced with a credit “project” that’s going to require a good bit of time to accomplish, instead of trying to tackle it all in a few days set aside 15 minutes a day and, when that 15 minutes is up, put it aside and go back to it the next day. If you’re looking, for example, for errors in your credit report, you may not notice them the first time you go through your report but, if you go through it several times in a row over several days in 15 minute clips, those errors may just pop out at you and allow you to take care of them. Besides that, it’s a lot less stressful.
- If you’re trying to fix several credit problems such as overdue bills or problems with debt collectors, only work on one of them every day for, you guessed it, 15 minutes. If you try to tackle them all at once you’ll get confused, frustrated and probably won’t accomplish much. Taking them on one of the time is much better and, in most cases, will give you quicker results.
- Every time you get a credit card statement either in the mail or online, study it and go through everything completely to make sure that everything is correct and that every purchase, and every number, is correct as well. The fact is, the sooner you get these smaller problems taken care of the better so that they don’t turn into bigger problems.
- If at all possible, pay your credit card bills the day that they arrive because the longer you wait, the higher the risk is that you will actually spend the money that you have set aside for that bill and it will cause you financial problems and a good bit of stress. Also keep in mind that paying late, even one time, can seriously hurt your credit score.
- Once you’ve gotten into the habit of reviewing your credit report on a regular basis you’ll begin to see that handling your credit in just a couple of 15 minute segment the week is definitely doable.
The simple fact is that, with most larger tasks like getting your credit back to normal as well as your credit report, things can happen fastest and easiest when you do them in little chunks rather than trying to do everything all at once. In other words, don’t let your credit overwhelm you but instead use the tips above to get those credit problems take care of one step at a time.