{"id":306,"date":"2019-10-28T21:11:49","date_gmt":"2019-10-28T21:11:49","guid":{"rendered":"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/?p=306"},"modified":"2024-02-25T20:37:31","modified_gmt":"2024-02-25T20:37:31","slug":"how-to-raise-your-credit-from-bad-to-good","status":"publish","type":"post","link":"https:\/\/www.carizmalubbock.com\/blog\/how-to-raise-your-credit-from-bad-to-good\/","title":{"rendered":"What steps can you take to get your credit in good standing?"},"content":{"rendered":"<h2>How to raise your credit from bad to good<\/h2>\n<p><span class=\"TextRun SCXW58664399 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW58664399 BCX0\">Life is not always a cakewalk. A lot of things can\u00a0happen, and oftentimes your path to financial success or stability is not a straight and narrow one, but rather,\u00a0<\/span><\/span><span class=\"TextRun SCXW58664399 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW58664399 BCX0\">a path that is\u00a0<\/span><\/span><span class=\"TextRun SCXW58664399 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW58664399 BCX0\">filled with twists and turns here and there. Sometimes, for any number of reasons, your credit can take a hit<\/span><\/span><span class=\"TextRun SCXW58664399 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW58664399 BCX0\">. Maybe you had some unexpected medical expenses that drained your savings account. Maybe a bill fell behind the counter and was missed, causing a late payment. Whatever the case may be, when you have bad credit, that can hinder you from\u00a0<\/span><\/span><span class=\"TextRun SCXW58664399 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW58664399 BCX0\">getting approved for loans or getting a low interest rate. You\u2019ll want to do what you can to get your credit score back up, so we put together a few tips for how to raise your credit from bad to good.<\/span><\/span><span class=\"EOP SCXW58664399 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><!--more--><\/p>\n<h3>What to do to increase your credit score<\/h3>\n<ul style=\"font-weight: 400;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">First and foremost, with whatever bills you have, make sure they are all paid on time. Set reminders in your phone calendar for each due\u00a0<\/span><span data-contrast=\"auto\">date or<\/span><span data-contrast=\"auto\">\u00a0set up automatic withdrawal for them if it is an option.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Don\u2019t close out your credit card accounts, even if you are not using them. Closing accounts can increase your credit usage ratio, which will hurt your score.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">By the same token, don\u2019t keep applying to more and more credit accounts if you\u2019re having debt and credit problems. This will ultimately just make things worse, especially with all the credit pulls that would generate.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Come up with a plan to pay off your debts. Perhaps you can pay more than the minimum on the smallest debt you have, getting ahead of it and paying it off early. Then, once that is paid off, do the same thing for the new smallest debt you have, and so on.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<div class=\"wrc-column-grid wrc-column-grid-2\">\n<div  class=\"wrc-column wrc-column-width-1 wrc-column-start\" >\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-2320 size-full\" src=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2020\/10\/15213522\/Auto-loan-b410851_b.jpg\" alt=\"loan calculation\" width=\"768\" height=\"500\" srcset=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2020\/10\/15213522\/Auto-loan-b410851_b.jpg 768w, https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2020\/10\/15213522\/Auto-loan-b410851_b-300x195.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<\/div>\n<div  class=\"wrc-column wrc-column-width-1 wrc-column-end\" >\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-2306 size-full\" src=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2024\/02\/15212009\/car-keys-on-notes_b.jpg\" alt=\"car keys on notes\" width=\"768\" height=\"500\" srcset=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2024\/02\/15212009\/car-keys-on-notes_b.jpg 768w, https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2024\/02\/15212009\/car-keys-on-notes_b-300x195.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<\/div>\n<\/div>\n<p><!-- .wrc-column-grid --><\/p>\n<h3>Can financing a vehicle at Carizma Motors help your credit score?<\/h3>\n<p><span data-contrast=\"auto\">Yes, it can! At\u00a0<\/span><span data-contrast=\"auto\">Carizma<\/span><span data-contrast=\"auto\">\u00a0Motors, we can work with people who have bad credit or no credit<\/span><span data-contrast=\"auto\">\u00a0as a\u00a0<\/span><a href=\"https:\/\/www.carizmalubbock.com\/blog\/what-is-a-buy-here-pay-here-dealership\"><span data-contrast=\"none\">buy here pay here dealership<\/span><\/a><span data-contrast=\"auto\">, since our financing is done in-house, and we don\u2019t need to worry about a third party getting involved. We\u2019ll find a payment plan that works for you, and with that plan,\u00a0<\/span><span data-contrast=\"auto\">your<\/span><span data-contrast=\"auto\">\u00a0on-time payments can start gett<\/span><span data-contrast=\"auto\">ing your credit score on the up and up. Contact us today\u00a0<\/span><span data-contrast=\"auto\">or\u00a0<\/span><a href=\"https:\/\/www.carizmalubbock.com\/car-loans-in-lubbock-tx\"><span data-contrast=\"none\">apply online<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">to get the process started!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><strong><a href=\"https:\/\/www.carizmalubbock.com\/blog\/does-carizma-motors-sell-luxury-cars\/\">Does Carizma Motors sell luxury cars?<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to raise your credit from bad to good Life is not always a cakewalk. A lot of things can\u00a0happen, and oftentimes your path to financial success or stability is not a straight and narrow one, but rather,\u00a0a path that is\u00a0filled with twists and turns here and there. Sometimes, for any number of reasons, your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2470,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Has your credit score taken a hit with some unexpected turns in your life? We have tips for how to raise your credit from bad to good.\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to raise your credit from bad to good\" \/>\n<meta property=\"og:description\" content=\"Has your credit score taken a hit with some unexpected turns in your life? We have tips for how to raise your credit from bad to good.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\" \/>\n<meta property=\"og:site_name\" content=\"Carizma Motors\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-28T21:11:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-25T20:37:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2019\/10\/25203617\/credit-loan-finance-car-A_b.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1038\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data1\" content=\"3 minutes\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/#website\",\"url\":\"https:\/\/www.carizmalubbock.com\/blog\/\",\"name\":\"Carizma Motors\",\"description\":\"Official Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.carizmalubbock.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2019\/10\/25203617\/credit-loan-finance-car-A_b.jpg\",\"contentUrl\":\"https:\/\/cdn-ds.com\/blogs-media\/sites\/181\/2019\/10\/25203617\/credit-loan-finance-car-A_b.jpg\",\"width\":1038,\"height\":400,\"caption\":\"a man checks his finances on a phone\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/#webpage\",\"url\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\",\"name\":\"How to raise your credit from bad to good\",\"isPartOf\":{\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/#primaryimage\"},\"datePublished\":\"2019-10-28T21:11:49+00:00\",\"dateModified\":\"2024-02-25T20:37:31+00:00\",\"author\":{\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/#\/schema\/person\/4a015fb239678798a9f156ccdcb6d9c0\"},\"description\":\"Has your credit score taken a hit with some unexpected turns in your life? We have tips for how to raise your credit from bad to good.\",\"breadcrumb\":{\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/\",\"url\":\"https:\/\/www.carizmalubbock.com\/blog\/\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/category\/tips-and-tricks\/\",\"url\":\"https:\/\/www.carizmalubbock.com\/blog\/category\/tips-and-tricks\/\",\"name\":\"Tips and Tricks\"}},{\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\",\"url\":\"https:\/\/tt-blogs.dealerfire.com\/carizmalubbock\/how-to-raise-your-credit-from-bad-to-good\/\",\"name\":\"What steps can you take to get your credit in good standing?\"}}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/#\/schema\/person\/4a015fb239678798a9f156ccdcb6d9c0\",\"name\":\"Admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.carizmalubbock.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/115586f809dce898c2e47e3cedf57ea2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/115586f809dce898c2e47e3cedf57ea2?s=96&d=mm&r=g\",\"caption\":\"Admin\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/posts\/306"}],"collection":[{"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/comments?post=306"}],"version-history":[{"count":4,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/posts\/306\/revisions"}],"predecessor-version":[{"id":2472,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/posts\/306\/revisions\/2472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/media\/2470"}],"wp:attachment":[{"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/media?parent=306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/categories?post=306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.carizmalubbock.com\/blog\/wp-json\/wp\/v2\/tags?post=306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}