11 Clever Things to get a 770 Credit Score

770 credit score

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You can easily get a 770 credit score with the help of a few expert tips.

The first tip is to pay off all your bills and debts.

If you’ve got credit card debt, start by paying them off in full every time you receive your paycheck, then work on getting debt-free from other sources like student loans or car loans.

Next, make sure to monitor your credit reports regularly for any inaccuracies and dispute them if need be.

Lastly, it’s important to use credit wisely and not carry balances on cards or spending too much money.

Getting a 770 credit score is not as difficult as you might think it is!

11 things you can do today to help you reach a 770 credit score

1. Pay off all your loans and debts

Make sure to pay off your debts in full every time you get paid for the month.

Avoid getting new debt because you will be able to increase your credit score quicker by paying off your current debt.

2. Monitor your credit report

Make sure to take a look at all three of the major credit reports on at least a yearly basis.

All three of these reports tell different information and it’s important to know what is accurate and what isn’t so that you can dispute any inaccuracies as soon as they happen.

3. Use credit wisely

If you can, try not carrying a balance on any card and never overspend more than 10% of what you are allowed in a given month.

4. Avoid opening up too many accounts

It’s good to get credit cards but when you open up too many in a short time period, your score will decline because the number of inquiries on your report is now going up.

Don’t be afraid to ask for better offers when you are applying for new credit cards or loans and only apply for one at a time if needed.

5. Make sure to pay all bills on time

This includes utility bills, phone bills, cable bills and any other type of bill that may need to be paid monthly so that you avoid late fees and don’t have collection agencies calling your employer.

Always make payments early if possible so that you keep your account in good standing with each company.

6. Pay your bills in full every month

Don’t get into the habit of paying only the minimum amount required or letting an account go into collections because that is going to hurt you a lot more than just making your payments on time and in full every month.

These are all things that can happen if you let one bill slip past your due date!

7. Ask for lower interest rates

It’s very easy to request a different rate on any loan or credit card if you don’t like what is currently being offered to you by calling up a company like Capital One, Chase or even Bank of America.

Just call and ask about getting a better deal instead than settling for something that doesn’t really fit with where you are right now.

8. Don’t close old accounts

Try to keep as much of your credit history on the open market as possible because it is good for your score when you have older accounts that are still showing up on your report.

If you do have a lot of new cards and loans, just make sure to check all their statuses every month so that there isn’t anything negative coming out of it like a declined card or too high of an interest rate.

9. Shop around for the best rates

Even though we mentioned this in number 7, the more places you can shop at for a loan or new card, the better chance you will have at getting a little lower interest rate somewhere else instead of settling with what was offered to you upfront.

10. Use your credit cards instead of cash

If you can, try to pay for everything with a credit card because it will get posted immediately and then once every 30 days it gets reported to the three major bureaus so that you improve your score slightly over time.

11. Take advantage of balance transfer offers

If you have high interest rate on any loans or consumer debt, try taking advantage of some type of balance transfer offer where they take out another loan at lower interest rates for a set amount of time usually 12 months or 24 months in order to help pay off what is still owed on the original debt.

This also helps get rid of any existing fees as well!

Final thoughts on how to get a 770 credit score

Ready to take things into your own hands?

Getting a 770 credit score is considered very good credit and it is within reach. You don’t have to ask yourself if you qualify for a home loan or car loan with bad credit. You can have peace of mind and feel more financially secure with a strong credit score.

In order to get a 770 credit score, it’s important to have an open and honest dialogue with all three of the major credit bureaus about what is on your report. If you need professional help, I like this company because they really get you real results. Click here to check them out and get started boosting your credit score.

This means checking in yearly for accuracy and dispute any inaccuracies that you find. Secondly, try not carrying a balance on any cards so that you don’t go over 10% of your monthly limit when making purchases. You should also avoid opening up too many accounts in one short time frame because this can hurt your score as well as apply for new loans or cards only one at a time if needed.

Make sure to always make payments early before they are due every month and pay them off completely each month without exception!

Lastly, take advantage of balance transfer offers where possible by transferring high interest loans and consumer debts to a new loan at a lower rate for the set time frame. This is often referred to as churning.

I hope this helps you boost or maintain your credit score! If you need any private coaching, please email me at 720credit@gmail.com.

All content Copyright © 2008. All Rights Reserved. However, you may link to my articles provided that proper attribution is given, that alternatives to linking are provided, and that I am informed of such publication (email 720credit@gmail.com). Commercial use of material contained herein is strictly prohibited without prior written permission from Blog Master Tom Mortimer aka 720credit .

Helpful reading:

5 credit hacks to transform your credit

How to get free money instantly

Jenn Leach, MBA

Jenn Leach is a Houston-based MBA with over a decade of experience in the banking industry. She writes at Millennial Nextdoor where she writes finance, money, business, and lifestyle content to help millennials create additional income streams online. Join her on Substack at https://jennleach.substack.com.

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