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Reply to "What are some really effective ways to boost a credit score?"

Great Question! According to the research that I've done and my experience with helping people remove errors from credit reports, the more you pay and the sooner will reduce your utilization rate the moment it posts (subject to next update of credit reporting) so "all at once" would quicken that for you. The rest of the factors, as you will read in this recap article, are not affected. The sooner you pay the less interest you are paying; however, to avoid needing credit and having to pay dearly for it, make sure to have some liquid savings available and then zap every other dime and dollar to become debt-free. This should help you find YOUR comfort level: https://www.thebalance.com/fac...-credit-score-960527

 

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