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07-Jul-2017 17:16

It is part of the credit score formula to handle people trying to apply for credit and loans to live beyond their means.

As another general rule, They might help you in the short run financially, or get you out of difficult debt, but as a long term solution they will most likely hurt you.

So for example, if you have a 00 credit card and you owe 0 on it (a 50% ratio), then if you increase the balance to 00, your ratio is now a preferred 25%!

Just remember not to use the card anymore otherwise you will lose that preferred ratio. Every time you do request a loan and the lender pulls your credit report, it generally reduces your score by a few points.

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Today as a follow-up, we’ll go over 7 simple tips and 5 secrets to help increase your credit score. If you’re “maxed” out on your credit cards, this will affect your credit score negatively.

Recently during our weekly Friday night dinner discussion, I mentioned that is growing and profitable and reached some new milestones. “I owe all of my business success to you and Dad for sending me to a Jewish Day School for 12 years.

My mother asked me, “How did you know what to do at this company and the others to make them succeed? That’s where I learned best guide book to running a successful business ever written – the Bible.” Here are the most important biblical principles that led to my success. There is no shortcut for doing your homework in a business and understanding the competitive landscape.

Many lending institutions, especially banks, won’t even look at you if you’re self-employed.

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If you plan on being self-employed consider a corporation because you can be “employed” by the corporation, however please note that even with a corporation it generally takes at least 2-3 years of consistent income before most lending institutions are ready to talk to you again. For credit cards that are “maxed” out or have balances above the 25% rule of thumb, and you have no way of reducing the balance, fortunately there are other means to bring their ratios to more preferred levels.The newer cells - you know how it is with the young - start to challenge the conventional values of their elders. ” is what these newer cells would say, if they had mouths, which thank God they do not.