#how do you find out your credit score
Secrets of the 800+ Credit Score Club
It’s a Catch-22. If you have bad credit, you pay more in interest on home loans. auto loans, credit cards and more, making it more challenging to make your payments, get out of debt and improve your credit score. On the other hand, if you have good credit, you pay less in interest, increasing the likelihood that you can manage your monthly payments, keeping your credit score high and in tact. The truth is, no matter what your credit score is now, you can achieve the platinum standard of credit—a score above 800—and nab yourself the best deals on life’s largest purchases.
Never miss a payment
I’ve never had a payment reported as late on my credit report. This is crucial to your credit score. Payment history makes up about a third of your credit rating. If you have a good score and miss just one payment, your credit score can suffer upwards of 110 points. Besides debt settlement, foreclosure and bankruptcy, a late payment is about the worst thing you can do to your credit score.