I came across an article that talks about 5 uncommon ways to raise your credit score.

These uncommon ways to raise your credit score can give you a variety in the way you tackle raising your credit score.

"When it comes to cultivating a credit score, you've probably got  the good citizen routine down cold.

You pay on time, try to wipe out the entire balance every month and never  close too many accounts at once.

Beyond the basics, though, many consumers are still in the dark about what  makes their credit scores go up and down".

Source Bankrate.com – 5 uncommon ways to raise your credit score

 1st uncommon way to raise your credit score is to pay your bill before the statement date.

Many lenders use different dates to send your balance to the credit bureau.

It can be your statement date or any date that they chose to send over the information.

You can call your lender to find out what date that they use.

By paying on your balance before that date you can lower your credit utilization for the month.

You may also get a bump in your credit score.

2nd uncommon way to raise your credit score is to make multiple payments on your account each month.

Some lenders will only allow you to make two or three payments from their website each month.

You can make additional payments by using your online bill pay service from your bank or credit union.

I recently shared with a client that this is a good way to pay down his credit card.

He has been paying $25 more than the minimum payment but making no progress.

I shared with him to make his normal payment on time and make additional payments on the account every two weeks when he gets paid.

The balance should start to come down.

If at all possible stop using your credit cards to limit your balance.

This will also make it easier to use this uncommon way to raise your credit score and pay off your balance.

 3rd uncommon way to raise your credit score is to ask for deletion of a late payment on your account.

This will only work if you have never been late or it has been more than two years since you have been late.

Many lenders will give you a one time forgiveness of a late payment and take it off your credit report.

Make sure that you get the persons name, date, and time that you make the request in case it does not take place.

 4th uncommon way to raise your credit score is to ask for a collection account to be deleted upon full payment.

You can avoid this altogether if you pay the account before the collection company sends the information to the credit bureau.

However, if you are unable to pay at that time call to make arrangements for the account to be deleted from your credit report.

Make sure that you get the confirmation of the agreement in writing on company letter head.

They can fax or email you the letter before you make a payment.

Also make your payment with a check, money order, or cashiers check for your own records.

You want to keep this information indefinitely.

 5th uncommon way to raise your credit score is to protect yourself in a short sale.

Many lenders will show the balance remaining on a short sale if you do not request the balance not be put on your credit report.

Make sure that when you are in the process of negotiating with the bank that you get this information up front and in writing.

The first 3 ways to raise your credit score can be done at any time to help you keep improving your credit score.

You want to make sure besides these uncommon ways to raise your credit score that you pay your bills on time each month.

For some reason if you can not pay your bill on time contact your creditor to avoid the late payment and not have to use the 3rd uncommon way to raise your credit score.

Many people are facing losing their homes.  The 5th uncommon way to raise your credit score may keep you from having to have a foreclosure on your credit report.

Remember to add the basics that you know for your credit with these uncommon ways to raise your credit score to get to where you want your credit to be.

 Your financial coach,

Renee Lawson

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P.S. Did you know there's one amazingly simple thing you can do right now to increase your credit score?  My new video show your how FREE: www.totalprosperityclub.com.

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