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Many credit card companies and finance companies will often rate a person
who carries a balance and only pays the minimum monthly payment on time
every month higher then a person who doesn’t pay, pays late, or even
someone who pays the entire balance on time every month!
Tip #4 - Cell Phones
Although most of your monthly bills (electric, gas, whatever) don’t report to
credit agencies (because you don‘t actually carry a balance or have “credit”
with them) - there’s a trick to “credit free” credit!
Here’s a little known thing that I found out about a year or two. When
viewing a credit report, there was monthly reporting from a major cell
phone company as “paid on time” - as if the person had a balance with them.
I then found out that many cell phone companies report to credit bureaus
monthly. The benefit is, most people with bad credit can get a cell phone
and it looks like you’re paying on a monthly credit or loan account, even
though you have no real credit with them, and got the phone without any
worry about your credit report.
I’m not going to list individual cell phone companies here, as their policies
may vary - but I can say that a few of the big companies that are on TV all
of the time do report to the credit bureaus. You can check with friends who
have cell phones and have seen their credit report lately, or even ask some of
the cell phone companies yourself.
If you already have a cell phone, you may want to consider getting service
with one of these companies, as many companies can become your cell
phone carrier and allow you to keep the same cell phone number. And, even
if you don’t want a cell phone you could try to find a cheap cell phone plan
that you can easily afford just to help improve your credit - who knows, you
may even start using your cell phone anyway!
Tip #5 - Pay off old debts
Most people don’t realize that if you have a bad mark on your credit report
and you were to pay off whatever amount it was, that if you paid it off today
it would instantly look better on your overall profile. Even though it was a
unpaid debt, even if it was unpaid for years - it immediately looks way
better to credit and finance companies just having it marked as “paid” vs.
“delinquent“.
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