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One improves his /her credit score by identifying which elements from his/her credit history are having the greatest impact so that they can take appropriate action.

Below l will give a scenario and the appropriate remedial action.

Payment history – From your credit report you will be able to identify which accounts you have not been paying as you should. You should then ensure you pay the full instalment owing on each of your accounts. Paying your bills on time, every month is one of the most important contributors to a good credit score.

Huge debt – If you owe too much debt it is important to keep your credit utilisation ratio on your account to less than 35%. This can be achieved by paying down debt strategically. For example, through targeting accounts with smaller balances first among other strategies.

Important points to note

Applying for credit through various lenders at the same time may be viewed negatively as this might signal to lenders that you may be taking on new debt or your financial situation has significantly changed.

Pay off any amounts owing from negative information on your credit report such as judgements or administrative orders from the courts.

Financial health checks are important as well limiting the number of enquiries to one per year because you leave a footprint on each and every enquiry.

Debt Sage can pull your credit report and you’ll get an in-depth view of how much debt you have and assess your credit worthiness. Contact our debt counselling experts today on 010 005 5350 or send us an email at info@debtsage.co.za or you can complete our free call back form and one of our consultants will call you back.

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