{"id":59105,"date":"2024-04-04T05:23:00","date_gmt":"2024-04-04T09:23:00","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=59105"},"modified":"2025-10-01T23:23:48","modified_gmt":"2025-10-02T03:23:48","slug":"how-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/","title":{"rendered":"How to improve your credit score FAST (Stalling + Loopholes)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"59105\" class=\"elementor elementor-59105\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90708be elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"90708be\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71bbaafd\" data-id=\"71bbaafd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d847788 elementor-widget elementor-widget-text-editor\" data-id=\"d847788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Before I show you how to improve your credit score, let\u2019s take a super quick look at just how important your credit score really is. In fact, improving your credit score could be worth $100,000\u2019s.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Consider two people:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Abby, who has great credit (760)<\/li>\n<li>Derek, who has poor credit (620)<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In their 30s, they decide to buy houses of similar prices. How much do you think they each pay?<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Spoiler alert: Not the same amount.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7308c9a4 elementor-widget elementor-widget-text-editor\" data-id=\"7308c9a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Check out the graph below:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:html --><\/p>\n<p><!-- \/wp:shortcode --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- \/wp:shortcode --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68751dc elementor-widget elementor-widget-image\" data-id=\"68751dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"628\" height=\"272\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Credit-Score-APR-Chart.png\" class=\"attachment-large size-large wp-image-49880\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Credit-Score-APR-Chart.png 628w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Credit-Score-APR-Chart-300x130.png 300w\" sizes=\"(max-width: 628px) 100vw, 628px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3317b3e elementor-widget elementor-widget-text-editor\" data-id=\"3317b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><em>Source:\u00a0<u><a href=\"http:\/\/myfico.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">MyFico.com<\/a><\/u>.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3493fd1 elementor-widget elementor-widget-text-editor\" data-id=\"3493fd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Because Derek has poor credit, he\u2019ll end up paying nearly $68,000\u00a0<em>more\u00a0<\/em>in interest<em>\u00a0<\/em>than Abby \u2014 whose credit is awesome.<\/p>\n<p>Don\u2019t be like Derek.<\/p>\n<p>Improving your credit score can seem like an incredibly daunting task \u2014 but it\u2019s actually pretty straightforward as long as you have the right\u00a0<em>systems\u00a0<\/em>in place.<\/p>\n<p>And in a world where nearly\u00a0<u><a href=\"http:\/\/www.bankrate.com\/finance\/consumer-index\/survey-credit-scores-factor-in-dating.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">110 million Americans<\/a><\/u>\u00a0have NEVER even checked their credit score, making sure you have a good one will put you ahead of the curve when it comes to things like attaining a home mortgage, refinancing your student loans, buying a car, or even renting an apartment.<\/p>\n<p>It\u2019s also an incredibly easy way to get started on earning a\u00a0<u><a href=\"https:\/\/iwillteachyoutoberich.com\/the-big-wins-manifesto\/?_gl=1*y76qfu*_ga*MTc2ODY3NDc3NS4xNzA0MzUwMDY4*_ga_1LHD0TZM7G*MTcwNjI3MDU2Mi4zMi4xLjE3MDYyNzIxOTUuNjAuMC4w\" target=\"_blank\" rel=\"noopener noreferrer\">Big Win<\/a><\/u>. That\u2019s because credit has a far greater impact on our finances than saving a few dollars a day on a cup of coffee.<\/p>\n<p>Luckily, we have the exact systems to help you get started improving your credit score.<\/p>\n<p>To understand why these systems work, you need to first know how your credit score works.<\/p>\n<p>(If you already know how credit scores work,\u00a0<u><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/#systems\">click here<\/a><\/u>\u00a0to jump down to the systems.)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-691bc24 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"691bc24\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-180e294\" data-id=\"180e294\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-079af9d elementor-widget elementor-widget-video\" data-id=\"079af9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=tE1s4Eg6SCE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-82c3528 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"82c3528\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c1a4bac\" data-id=\"c1a4bac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35c143b elementor-widget elementor-widget-text-editor\" data-id=\"35c143b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: inherit;\">You should ideally be paying off your entire credit card balance each month, but if you can\u2019t, you can still improve your score by paying at least the minimums, on time, every month.<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), PP Mori; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight );\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73e1b46 elementor-widget elementor-widget-heading\" data-id=\"73e1b46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Before you improve your credit score\u2026<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9657c8e elementor-widget elementor-widget-text-editor\" data-id=\"9657c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are two main components to credit history:<\/p>\n<ol>\n<li><strong>Credit report.\u00a0<\/strong>This is an all-inclusive report that potential lenders (i.e.\u00a0people considering lending you money for things like cars and homes) use to gain basic information about you, your accounts, and your payment history. This report tracks all credit-related activities, although recent activities are given a higher weight.<\/li>\n<li><strong>Credit score.\u00a0<\/strong>This is often called your FICO score because it was created by the Fair Isaac Corporation. It\u2019s a single number between 300 and 850 that represents your risk to lenders. Think of it like the SparkNotes of your credit history. The lenders look at this number along with other pieces of information such as your salary and age to decide if they\u2019ll lend you money for credit like a credit card, mortgage, or car loan. They\u2019ll charge you more or less for the loan depending on the score, which signifies how risky you are.<\/li>\n<\/ol>\n<p>And while your credit score and credit report are two entirely different things, your score comes from the information in your report.<\/p>\n<p>The actual number is determined by the following information and their\u00a0associated weight in relation to your score (credit score formula courtesy of\u00a0<u><a href=\"https:\/\/www.wellsfargo.com\/financial-education\/credit-management\/check-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">Wells Fargo<\/a><\/u>):<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e584688 elementor-widget elementor-widget-heading\" data-id=\"e584688\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What your credit score is based on:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d80e584 elementor-widget elementor-widget-text-editor\" data-id=\"d80e584\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>35% payment history.\u00a0<\/strong>How reliable you are. Late payments hurt you.<\/li>\n<li><strong>30% amounts owed.\u00a0<\/strong>How much you owe and how much credit you have available, or your \u201ccredit utilization rate.\u201d<\/li>\n<li><strong>15% length of history.\u00a0<\/strong>How long you\u2019ve had credit. Older accounts are better because they show you\u2019re reliable.<\/li>\n<li><strong>10% how many types of credit.\u00a0<\/strong>If you have more lines of credit open, the better your score will be.\u00a0<strong>\u00a0<\/strong><\/li>\n<li><strong>10% account inquiries.\u00a0<\/strong>How many times you have or a lender has checked your credit background.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d02918a elementor-widget elementor-widget-heading\" data-id=\"d02918a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What your credit report includes:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24734b3 elementor-widget elementor-widget-text-editor\" data-id=\"24734b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Basic identification information.<\/li>\n<li>A list of your credit accounts.<\/li>\n<li>Your credit history (whom you\u2019ve paid, how consistently you paid, and any late payments).<\/li>\n<li>Amount of loans.<\/li>\n<li>Credit inquiries or who else has requested your credit information (e.g., other lenders).<\/li>\n<\/ul>\n<p>Think of yourself as a football team. The credit report is all the plays you run and the credit score is the cumulation of all the goal point units you score in the game match\u2026<\/p>\n<p>I\u2019m such a HUGE fan of football. Can\u2019t you tell?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acd0b9a elementor-widget elementor-widget-heading\" data-id=\"acd0b9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u201cMy credit score is XXX. What\u2019s that mean?\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db0b4bd elementor-widget elementor-widget-text-editor\" data-id=\"db0b4bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your credit score will be within a range of 300 and 850. The range determines whether or not your score is solid \u2014 but a good rule of thumb is the higher your credit score, the better you\u2019re off.<\/p>\n<p>Below are a few ranges from <u><a href=\"http:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noopener noreferrer\">Experian<\/a><\/u>\u00a0and what they may mean for you.<\/p>\n<ul>\n<li><strong>850 &#8211; 800: <\/strong>This is a fantastic spot to be with your credit score. If\u00a0you\u2019re here, you\u2019ll have no problem securing a loan or a good down payment percentage on your home.<\/li>\n<li><strong>799 &#8211; 740: <\/strong>Though not the top spot, this is still a very good area to be. You\u2019ll be offered great rates here.<\/li>\n<li><strong>739 &#8211; 670: <\/strong>This is an okay credit score range \u2014 though not great. Focus on closing unused accounts and consolidating loans to move this number up.<\/li>\n<li><strong>669 &#8211; 580: <\/strong>This is when you should start worrying. If your credit score is here, you\u2019re considered a \u201csubprime\u201d\u00a0borrower and won\u2019t get very good rates. Reduce your debt load and work on your payment history in this band.<\/li>\n<li><strong>579 &#8211; 300: <\/strong>Here you\u2019re likely not to be considered for a loan at all and will run into numerous issues with things like getting approved for apartments. You should find a <u><a href=\"https:\/\/consumer.ftc.gov\/sites\/default\/files\/articles\/pdf\/pdf-0040-choosing-a-credit-counselor.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">non-profit credit counselor<\/a><\/u>\u00a0and ask for help.<\/li>\n<\/ul>\n<p>It\u2019s ridiculously easy to check your credit score. It\u2019s <em>so <\/em>easy, I want you to do it right now.<\/p>\n<p>Seriously. Checking your credit score is incredibly simple. I suggest starting at <u><a href=\"http:\/\/creditkarma.com\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Karma<\/a><\/u>\u00a0or <u><a href=\"https:\/\/www.mint.com\/how-mint-works\/credit\" target=\"_blank\" rel=\"noopener noreferrer\">Mint<\/a><\/u>.<\/p>\n<p>Once you have the number in front of you, it\u2019s time to take some steps to improve your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac51e34 elementor-widget elementor-widget-heading\" data-id=\"ac51e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to improve your credit score<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31d6615 elementor-widget elementor-widget-text-editor\" data-id=\"31d6615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You don\u2019t need to become a credit weirdo like me and read 50 books on credit optimization to raise your credit score. You can actually ignore most advice and simply do a few, key things to dramatically improve your score.<\/p>\n<p>In fact, there are four major tips that will have the biggest impact in improving your credit score.<\/p>\n<ul>\n<li>#1: Get out of debt fast<\/li>\n<li>#2: Automate your credit card payments<\/li>\n<li>#3: Keep your accounts open \u2014 and put a recurring charge on them<\/li>\n<li>#4: Get more credit \u2014 but only if you have no debt<\/li>\n<li>#5: Get all fees waived on your card<\/li>\n<li>#6: Negotiate a lower APR<\/li>\n<li>#7: Use your rewards!<\/li>\n<\/ul>\n<p>A while back, I asked my readers how they\u00a0<u><a href=\"https:\/\/twitter.com\/ramit\/status\/945717852790718464\" target=\"_blank\" rel=\"noopener noreferrer\">improved their credit scores<\/a><\/u>. Their answers revealed that improving your credit score isn\u2019t rocket science. It\u2019s about being disciplined and having some no-nonsense financial systems in place.<\/p>\n<p>I\u2019ve included some of the best answers in here to show you that it\u00a0<em>is\u00a0<\/em>possible to improve your credit score and to give you insight into how you can do it yourself.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6102f62 elementor-widget elementor-widget-heading\" data-id=\"6102f62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Get out of debt fast<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b6d0ee elementor-widget elementor-widget-image\" data-id=\"9b6d0ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"295\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-2-768x295.png\" class=\"attachment-medium_large size-medium_large wp-image-49881\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-2-768x295.png 768w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-2-300x115.png 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-2-1024x393.png 1024w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-2.png 1208w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e23488b elementor-widget elementor-widget-text-editor\" data-id=\"e23488b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Too many people think that since they have debt, they should game the system and play the 0% balance transfer game, switching balances from card to card to save a few percentage points on debt interest.<\/p>\n<p>What I\u2019ve found is that they spend more time transferring balances from card to card<em>\u00a0instead of actually paying their debt off<\/em>. That\u2019s ridiculous, especially when you consider that 30% of your credit score is calculated based on how much you owe.<\/p>\n<p>Instead, I want you to pay down that debt using my five-step method. I\u2019ve written about this system before in my post about\u00a0<u><a href=\"https:\/\/iwillteachyoutoberich.com\/how-to-get-out-of-debt-fast\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to get out of debt<\/a><\/u>\u00a0\u2013 check it out to learn the exact same system that\u2019s helped thousands of readers finally escape their debt. Hint: Start with\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/how-to-find-out-all-my-debt\/\">how to find all your debt<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-779b076 elementor-widget elementor-widget-heading\" data-id=\"779b076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8689d6d elementor-widget elementor-widget-text-editor\" data-id=\"8689d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: 840b360e-6ea9-48ff-929a-d3e69d608a4a --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc192be elementor-widget elementor-widget-button\" data-id=\"dc192be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0edd7dc elementor-widget elementor-widget-heading\" data-id=\"0edd7dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Automate your credit card payments<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9986e7b elementor-widget elementor-widget-image\" data-id=\"9986e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"325\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-3-768x325.png\" class=\"attachment-medium_large size-medium_large wp-image-49882\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-3-768x325.png 768w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-3-300x127.png 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-3-1024x433.png 1024w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-3.png 1248w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0b4179 elementor-widget elementor-widget-text-editor\" data-id=\"b0b4179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>35% of your score (the biggest portion) reflects your payment history, so even missing one payment can cause your credit score to drop 100 points, jack your APR up 30%, add $200+\/month to your monthly mortgage payment (insane, I know), and more.<\/p>\n<p>By setting up automatic payment using my IWT system, you won\u2019t have to worry about manually paying your bills each month or accidentally forgetting a payment and getting slapped with a huge penalty.<\/p>\n<p>The best part? Once you automate your personal finances, you\u2019ll automatically invest, save money, and pay off all your bills at the beginning of the month \u2014 not just your credit card statement!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f90e8f9 elementor-widget elementor-widget-image\" data-id=\"f90e8f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"694\" height=\"500\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2019\/12\/How-To-Automate-Your-Finances-Infographic.png\" class=\"attachment-medium_large size-medium_large wp-image-31415\" alt=\"How To Automate Your Finances Infographic\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2019\/12\/How-To-Automate-Your-Finances-Infographic.png 694w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2019\/12\/How-To-Automate-Your-Finances-Infographic-300x216.png 300w\" sizes=\"(max-width: 694px) 100vw, 694px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd7b8b6 elementor-widget elementor-widget-text-editor\" data-id=\"cd7b8b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For more information on how to automate your finances, check out my 12-minute video where I go through the exact process with you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2699d70 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"2699d70\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6da9b4b\" data-id=\"6da9b4b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b5c510 elementor-widget elementor-widget-heading\" data-id=\"6b5c510\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Keep your accounts open \u2014 and put a recurring charge on them<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e269a0f elementor-widget elementor-widget-image\" data-id=\"e269a0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"256\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-4-768x256.png\" class=\"attachment-medium_large size-medium_large wp-image-49883\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-4-768x256.png 768w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-4-300x100.png 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-4-1024x341.png 1024w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/credit-score-twitter-testimonial-4.png 1202w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c655ddf elementor-widget elementor-widget-text-editor\" data-id=\"c655ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So many times, when people get motivated to \u201cdo something\u201d about their credit cards, the first thing they do is close all the cards they haven\u2019t used in a long time.<\/p>\n<p>Sounds logical: Let\u2019s clean out the old cobwebs in our wallet!<\/p>\n<p>In reality, this is a bad idea: 15% of your credit score reflects the length of your credit history, so if you wipe out old cards, you\u2019re erasing that history. This is one of the basic <a href=\"https:\/\/iwillteachyoutoberich.com\/credit-card-rules\/\">credit card rules<\/a>.<\/p>\n<p>Plus, you\u2019re also lowering your \u201ccredit utilization rate,\u201d which basically means (how much you owe) \/ (total credit available).<\/p>\n<p>For nerdy people (aka half my readers), here\u2019s the math of your credit utilization score \u2014 plus a little-known caveat:<\/p>\n<p>\u201cIf you close an account but pay off enough debt to keep your credit utilization score the same,\u201d says Craig Watts of FICO, \u201cyour score won\u2019t be affected.\u201d (Most people don\u2019t know this.)<\/p>\n<p>For example, if you carry $1,000 debt across two credit cards with $2,500 credit limits each, your credit utilization rate is 20% ($1,000 debt \/ $5,000 total credit available).<\/p>\n<p>If you close one of the cards, suddenly your credit utilization rate jumps to 40% ($1,000 \/ $2,500). But if you paid off $500 in debt, your utilization rate would be 20% ($500 \/ $2,500) and your score would not change.<\/p>\n<p>A lower credit utilization rate is preferred because lenders don\u2019t want you regularly spending all the money you have available through credit \u2014 it\u2019s too likely that you\u2019ll default and not pay them anything.<\/p>\n<p>NOTE: If you\u2019re applying for a major loan \u2014 for a car, home, or education \u2014 don\u2019t close any accounts within six months of filing the loan application. You want as much credit as possible when you apply.<\/p>\n<p>However, if you know that an open account will entice you to spend, and you want to close your credit card to prevent that, you should do it.<\/p>\n<p>You may take a slight hit on your credit score, but over time, it will recover\u2014 and that\u2019s better than overspending.<\/p>\n<p>Bottom line? Even if you don\u2019t use a card, keep it open. Put a small charge on it \u2014 say, $5\/month \u2014 and automate it each month. This way, you ensure your card is active and maintains your credit history.<\/p>\n<p><!-- \/wp:heading --><!-- wp:spacer {\"height\":\"50px\"} --><!-- \/wp:spacer --><!-- wp:html --><!-- \/wp:html --><!-- wp:spacer {\"height\":\"50px\"} --><!-- \/wp:spacer --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:shortcode --><!-- \/wp:shortcode --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:spacer {\"height\":\"50px\"} --><!-- \/wp:spacer --><!-- wp:html --><!-- \/wp:html --><!-- wp:spacer {\"height\":\"50px\"} --><!-- \/wp:spacer --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:quote {\"className\":\"is-style-default\"} --><!-- \/wp:quote --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading --><!-- \/wp:heading --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20628cb elementor-widget elementor-widget-heading\" data-id=\"20628cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Get more credit \u2014 but only if you have no debt<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b9b5a elementor-widget elementor-widget-image\" data-id=\"d7b9b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"554\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Kyle-Hill-Ramit-Twitter-Conversation-768x554.png\" class=\"attachment-medium_large size-medium_large wp-image-51003\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Kyle-Hill-Ramit-Twitter-Conversation-768x554.png 768w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Kyle-Hill-Ramit-Twitter-Conversation-300x216.png 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Kyle-Hill-Ramit-Twitter-Conversation-1024x738.png 1024w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2022\/12\/Kyle-Hill-Ramit-Twitter-Conversation.png 1226w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1097ced elementor-widget elementor-widget-text-editor\" data-id=\"1097ced\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I cannot stress this enough:\u00a0<strong>This system is only for financially responsible people.<\/strong>\u00a0That means you have zero debt and you pay your bills in full each month. It\u2019s not for anyone else.<\/p>\n<p>That\u2019s because this system involves getting more credit to improve your credit utilization rate. This falls in the same 30% bucket as your debt does when it comes to your credit score.<\/p>\n<p>To improve your credit utilization rate you have two options: Stop carrying so much debt on your credit cards (we covered that above) or increase your total available credit.<\/p>\n<p>Since you\u00a0<em>should\u00a0<\/em>already be debt-free, all that remains for you to do is to increase your available credit.<\/p>\n<p>Here\u2019s a great script you can use when you call your credit card company:<\/p>\n<p><strong>YOU:\u00a0<\/strong>Hi, I\u2019d like to increase my credit. I currently have $5,000 available and I\u2019d like $10,000.<\/p>\n<p><strong>CC REP:\u00a0<\/strong>Why are you requesting a credit increase?<\/p>\n<p><strong>YOU:\u00a0<\/strong>I\u2019ve been paying my bill in full for the last 18 months and I have some upcoming purchases. I\u2019d like a credit limit of $10,000. Can you approve my request?<\/p>\n<p><strong>CC REP:\u00a0<\/strong>Sure. I\u2019ve put in a request for this increase. It should be activated in about seven days.<\/p>\n<p>I request a credit-limit increase every six to 12 months because it\u2019s such an easy win. I suggest you do the same.<\/p>\n<p>Remember: 30% of your credit score is represented by your credit utilization rate. To improve it, the first thing you need to do is get debt-free. Once that\u2019s done, THEN increase your credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d7a225 elementor-widget elementor-widget-heading\" data-id=\"6d7a225\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Get all fees waived on your card<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c28a4c1 elementor-widget elementor-widget-text-editor\" data-id=\"c28a4c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is a great, easy way to optimize your credit cards because your credit card company will do all the work for you. Call them using the phone number on the back of the card and ask if you\u2019re paying any fees, including annual fees or service charges. It should go a little something like this:<\/p>\n<p>Yes, I really talk like that.<\/p>\n<p>The vast majority of people don\u2019t need to pay any annual fees on their credit cards, and because free credit cards are so competitive now, you rarely need to pay for the privilege of using your card.<\/p>\n<p>The only exception is if you spend enough to justify the extra rewards a fee-charging account offers. (If you do pay an annual fee, use the break-even calculator on my website to see if it\u2019s worth it.)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-031b8d6 elementor-widget elementor-widget-heading\" data-id=\"031b8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Negotiate a lower APR<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7497926 elementor-widget elementor-widget-text-editor\" data-id=\"7497926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your APR, or annual percentage rate, is the interest rate your credit card company charges you. The average APR is 14 percent, which makes it extremely expensive if you carry a balance on your card.<\/p>\n<p>Put another way, since you can make an average of about 8 percent in the stock market, your credit card is getting a great deal by lending you money.<\/p>\n<p>\u00a0If you could get a 14 percent return, you\u2019d be thrilled \u2014 you want to avoid the black hole of credit card interest payments so you can earn money, not give it to the credit card companies.<\/p>\n<p>So, call your credit card company and ask them to lower your APR. If they ask why, tell them you\u2019ve been paying the full amount of your bill on time for the last few months, and you know there are a number of credit cards offering better rates than you\u2019re currently getting.<\/p>\n<p>In my experience, this works about half the time. It\u2019s important to note that your APR doesn\u2019t technically matter if you\u2019re paying your bills in full every month\u2014you could have a 2 percent APR or 80 percent APR and it would be irrelevant, since you don\u2019t pay interest if you pay your total bill each month. But this is a quick and easy way to pick the low-hanging fruit with one phone call.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72f1e66 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"72f1e66\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-294d082\" data-id=\"294d082\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4a3bd1 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"c4a3bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you\u2019ve read this far, you\u2019d LOVE my New York Times Bestselling book\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f76956 elementor-widget elementor-widget-text-editor\" data-id=\"8f76956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can read the first chapter for free \u2013 just tell me where to send it:<!-- notionvc: 057e6503-6a23-43c5-8c65-6fa5d50a2991 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5c6cf3 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"a5c6cf3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b3e2c6\" data-id=\"9b3e2c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2be953 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"d2be953\" data-element_type=\"widget\" data-e-type=\"widget\" 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id=\"wpforms-53529-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53529-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53529-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53529-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53529-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53529-field_19\">When you sign up, I'm also going to send you my newsletter full of my best money advice for free.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53529\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59105\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53529\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Download My Free First Chapter\" aria-live=\"assertive\" value=\"wpforms-submit\">Download My Free First Chapter<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dffdbb elementor-widget elementor-widget-heading\" data-id=\"3dffdbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. Use your rewards!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58526ef elementor-widget elementor-widget-text-editor\" data-id=\"58526ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Just like with car insurance, you can get great deals on your credit when you\u2019re a responsible customer. In fact, there are lots of tips for people who have very good credit.<\/p>\n<p>If you fall in this category, you should call your credit cards and lenders once per year to ask them what advantages you\u2019re eligible for. Often, they can waive fees, extend credit, and give you private promotions that others don\u2019t have access to.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f50ce85 elementor-widget elementor-widget-heading\" data-id=\"f50ce85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Choose The Right Card for Building Credit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-250274b elementor-widget elementor-widget-text-editor\" data-id=\"250274b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you need to open a new credit card to rebuild your credit, follow these steps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30d4ee1 elementor-widget elementor-widget-heading\" data-id=\"30d4ee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Avoid Annual Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec23aee elementor-widget elementor-widget-text-editor\" data-id=\"ec23aee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lots of the premium credit cards have annual fees. They give rewards and perks which easily exceed the value of the fee.<\/p>\n<p>But when you\u2019re building credit, you\u2019re not going to get the best rewards or perks. Your primary goal is to build up your credit rating so you can get access to the better credit cards later. Fees are only going to slow you down at this stage.<\/p>\n<p>When I was building my credit up, I avoided fees entirely. That kept more money in my pocket and kept things really simple until I had a good enough credit score to get the premium credit cards. I recommend you do the same.<\/p>\n<p>We\u2019ve included reviews of some cards that have annual fees. Sometimes they offer rewards and it\u2019s worth it. In other cases, they might be the last option available. Avoid fees if you can. And if you can\u2019t, switch to a no-annual fee card as soon as you can once you\u2019ve built up your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fc159 elementor-widget elementor-widget-heading\" data-id=\"c5fc159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. If You\u2019re a Student, Get a Student Credit Card<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1ec5e elementor-widget elementor-widget-text-editor\" data-id=\"2d1ec5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a student, you\u2019re stuck in a catch-22.<\/p>\n<p>You need a credit score in order to get a credit card. But you need a credit card in order to build a credit history and get a credit card. Breaking this cycle can get tricky.<\/p>\n<p>These days, there are great credit card options for students that help kick-start everything.<\/p>\n<p>Most of them don\u2019t have annual fees, some have a few rewards and parks, and they\u2019re specifically designed for students so you\u2019re odds of being approved are much higher.<\/p>\n<p>If you\u2019re a student, get a student credit card. That will put you on the path to building credit and you\u2019ll be able to get a much better card later assuming you always pay your monthly bill on time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd60b84 elementor-widget elementor-widget-heading\" data-id=\"fd60b84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Start with One Card for Bad Credit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-947e82c elementor-widget elementor-widget-text-editor\" data-id=\"947e82c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Every time you apply for a card, your credit score will take a hit.<\/p>\n<p>It\u2019s true, part of your score is dependent on how many credit requests that you\u2019ve had recently. If you apply to a bunch of cards all at once, your score will go down a bit.<\/p>\n<p>I personally hate this. Right when you really need a credit card, the process of applying for credit cards makes your credit worse.<\/p>\n<p>The credit score hits are minor but they do add up.<\/p>\n<p>If you\u2019re trying to rebuild your credit, I recommend getting a credit card that you\u2019re confident that you\u2019ll be approved for. The last thing you want to do is try to apply to cards out of your reach, ding your credit score even more, and make it even harder to get one credit card.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c24b1ab elementor-widget elementor-widget-heading\" data-id=\"c24b1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Get a Card Designed for Average Credit When You Can<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5be1f4a elementor-widget elementor-widget-text-editor\" data-id=\"5be1f4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once you have one credit card that you\u2019ve been using awhile and have built up your credit, try applying for one of the credit cards for folks with average credit. These aren\u2019t the premium cards but you will get started with some rewards.<\/p>\n<p>As a general rule, consider applying for one of these cards once you\u2019re credit score is 600 or above. There\u2019s no guarantee you\u2019ll be approved but this is the range where it becomes a possibility.<\/p>\n<p>And the odds are in your favor once you get close to a credit score of 700 and above. Remember to only apply once in case your score isn\u2019t high enough. If you\u2019re declined, continue building your credit for another year or two and try again.<\/p>\n<p>I\u2019d avoid multiple cards at this tier so only apply for one at a time. There\u2019s no reason to have more than one. Later on, you can consider having multiple premium cards to maximize rewards and perks.<\/p>\n<p>But at this stage, you want one decent card that will give you some rewards while you keep building credit. Continue to avoid fees and keep things really simple at this stage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-097fd0e elementor-widget elementor-widget-heading\" data-id=\"097fd0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8555920 elementor-widget elementor-widget-heading\" data-id=\"8555920\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a good credit score?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9decc81 elementor-widget elementor-widget-text-editor\" data-id=\"9decc81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A good credit score is anything over 670. However, if you want to get exceptional interest rates and perks, aim for 740 or higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b90d3d elementor-widget elementor-widget-heading\" data-id=\"1b90d3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a bad credit score?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-936584e elementor-widget elementor-widget-text-editor\" data-id=\"936584e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit score below 670 and you\u2019re at risk for\u00a0<a href=\"https:\/\/iwillteachyoutoberich.com\/credit-score-for-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">higher interest rates on loans<\/a>\u00a0(if you get approved at all), getting denied an apartment rental, or even passed up on a job application.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d138ed elementor-widget elementor-widget-heading\" data-id=\"0d138ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do I get a free credit report?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eba474d elementor-widget elementor-widget-text-editor\" data-id=\"eba474d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Since credit scores and credit reports are crucial for a healthy financial future, federal law states that individuals must get a free copy of their credit report every 12 months.<br \/>This service includes a copy from each of the credit report agencies. To obtain a free annual credit report, call Annual Credit Report at 1-877-322-8228 or visit\u00a0<a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43dbdea elementor-widget elementor-widget-heading\" data-id=\"43dbdea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What credit score do I need to buy a house?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f469119 elementor-widget elementor-widget-text-editor\" data-id=\"f469119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At a minimum, you need a credit score of\u00a0<strong>620<\/strong>\u00a0to buy a house.<br \/>BUT it\u2019s a bit more complicated than that. The minimum credit score can vary\u00a0depending on your specific financial situation, your\u00a0debt-to-income ratio, and which mortgage you choose.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81412fd elementor-widget elementor-widget-heading\" data-id=\"81412fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Improve your credit score = Big Win<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d094762 elementor-widget elementor-widget-text-editor\" data-id=\"d094762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Take the time to start improving your credit score using the four systems outlined above \u2014 and to help you even more, I\u2019d like to offer you something: The first chapter of my\u00a0<em>New York Times\u00a0<\/em>bestseller\u00a0<em>I Will Teach You to be Rich.<\/em><\/p>\n<p>It\u2019ll help you tap into even more perks, max out your rewards, and beat the credit card companies at their own game.<\/p>\n<p>I want you to have the tools and word-for-word scripts to fight back against the huge credit card companies. To download it free now, enter your name and email below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a956acb elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"a956acb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bd14728\" data-id=\"bd14728\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e49abe elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"2e49abe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc53b80 elementor-widget elementor-widget-text-editor\" data-id=\"cc53b80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things I&#8217;ve published, and totally free \u2013 just tell me where to send it:<!-- notionvc: 3def45bd-45fc-48cc-b7b8-0e1deee8ce41 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0232484 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"0232484\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e6ad0d\" data-id=\"2e6ad0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a67fcf0 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"a67fcf0\" data-element_type=\"widget\" data-e-type=\"widget\" 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value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59105\"><\/div><div id=\"wpforms-53563-field_13-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"13\"><input type=\"hidden\" id=\"wpforms-53563-field_13\" name=\"wpforms[fields][13]\" value=\"53563\"><\/div><div id=\"wpforms-53563-field_15-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"15\"><input type=\"hidden\" id=\"wpforms-53563-field_15\" name=\"wpforms[fields][15]\" value=\" \/ UG to Personal Finance\"><\/div><div id=\"wpforms-53563-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59105\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Before I show you how to improve your credit score, let\u2019s take a super quick look at just how important your credit score really is. In fact, improving your credit score could be worth $100,000\u2019s. Consider two people: Abby, who has great credit (760) Derek, who has poor credit (620) In their 30s, they decide [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":89160,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-59105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=59105"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/89160"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=59105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=59105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}