A series of low-paying jobs left Ann Marshall struggling with credit card debt a few years ago. “I remember not being approved to finance a $900 phone from Best Buy,” says the longtime writer. “In an ideal world, you apply for credit and get approved. I wasn’t.”
It took changing careers to one that paid better and seven months of working 60- and 70-hour weeks to pay off her debt. Now, Ann boasts an excellent credit score above 800.
Ann isn’t the only person who has faced a dip in her credit score, which is an indication of how trustworthy you are to receive a loan. Almost 20% of Americans have a credit score below 580, which is considered “poor.” A “fair” score ranges from 580 to 669 and a “good” score ranges from 670 to 739.
A healthy credit score is key to everything from renting an apartment to securing a car loan. So how do you make sure your credit score stays in the best possible shape? Elizabeth Pennington, CFP, a certified financial planner at investment advisor firm Fearless Finance, says taking the steps at right can bump up your score.
KEEP AN ACTIVE CREDIT ACCOUNT
この記事は First for Women の July 08, 2024 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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この記事は First for Women の July 08, 2024 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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