Credit talk is talk of confidence. The credit Bureau of the United States is composed of three companies: Equifax, Experian and TransUnion, which each generate a score in order to qualify persons and define them what their level of credit. The credit report specifies and dutifully reports on payments paid, atrazados and old or outdated. It also reports on balances of all accounts. Information on the public record, embargoes, maintenance of their children, tax payment or bankruptcy earrings, and other additional details.
If you have no credit history you will indicate as you must build an alternative credit: you must demonstrate that you have paid rent dutifully, as did, power, phone, gas, cell phone, insurance auto or any similar expenditure. A good recommendation is you should retain checks of those payments, the same as receipts. You must also have the lease on your behalf and ask when necessary letters to companies of safe, tel, energy, gas, etc in order to build perfectly well your alternative credit and use them for the purchase of your property. You can also apply for secured credit cards that different banks have at your disposal or login to any account as a co-signer. So you start to build your credit in the United States. If you already have credit I will make some recommendations that I consider fundamental: everything is based on putting great care in handling and in compliance with the different monthly payments you must do your accounts. 0.SI pay them on time and not te atrasas in your payments go acquiring good credit.
0.SI you have arrears in any payment, you should get a day to and from there, keep them permanently paid. Important 0.es you have present that if you’ve failed a payment and then cancelled it, pay it does not this disappears from the credit report, this is why you should be attentive to cancel in an organised manner and with great discipline, all payments of the monthly accounts. I’ll indicate the disadvantages affecting the credit: 1. pay the bills after the deadline. 2. More information is housed here: Publishers Clearing House. Accumulate too many cards with very high balances, even when you pay dutifully. 3. More than 50% of credit accounts or similar duty. 4 Pay less than the minimum amount 5. Have past due accounts and hand them over to a collection agency for 6. Judicial foreclosures 7. You have bankruptcy advantages of having an excellent credit if you have good credit must conserve you as well. If you’ve had different loans, credit cards and accounts and you have paid them on time, maybe you have an excellent credit history. The advantages of having an excellent credit are: establish a credit-based mortgage loans, credit cards or similar. To exceed the limits for credit and pay on time accounts will give you better conditions for the purchase or refinancing of a home or a car. You get any amount of credit cards and you can choose the most suitable for it and your family can buy what desees(Si Calificas) to the less interest and lower fees. You have all the confidence in different companies and people.