2024 lo Credit Score Improve cheyyadaniki Simple Tips!
improve credit score: Credit score bagunte mana financial life kuda smooth ga untundi! Credit score ante enti, yela improve cheyyalo teliyakapotundi kada? So, ee article lo mana credit score ni quick ga improve cheyyadaniki konni easy steps cheptanu, chudu.
1. Credit Report ni Check cheskondi
First step emiti ante, mi credit report ni chusi check cheskovatam. Credit bureaus (like CIBIL, Experian) free lo oka saar credit report istayi. Ee report lo prathi detail telustundi – loans, credit card payments, etc. Mistakes emi unna correct chesi, mana score straight cheskovachu.
Pro Tip: Year lo oka saar compulsory ga report check chesi, mistakes emi unna fix cheyyandi.
2. Pending Payments ni Clear Cheyyandi
Munduga pending emi payments unte vatini clear cheyyali. Time ki emi payments miss ayithe, mana score chala thaggipotundi. Time lo payment cheyyadam chala important, late chesina penalty paduthundi.
Te-english Trick: Mobile lo reminders petti, prathi due date ki clear cheseyandi. On-time payment ante manchi impression create chesthundi.
3. Credit Utilization Ratio ni Thaggandi
Credit utilization ante, credit limit lo entha amount use chesaro ani. Eppudaina 30% kanna ekkuva vade kottaku, thaggisthe baga score improve avuthundi.
Example: Credit card limit 1 lakh unte, meeru monthly 30,000 kanna ekkuva use cheyyakandi.
4. Old Credit Accounts ni Close Cheyyakandi
Mundu teesukuna credit cards kani, loans kani ippudu use cheyyatledu anukondi. Ayina kuda anni close cheyyadam manchi idea kaadhu, epudu mana age of credit history ni maintain cheyadam important.
Tip: Long-standing credit accounts maintain cheyyandi, avvi mana credibility ki support ga untayi.
5. Multiple Loans Apply cheyyadam Avoid cheyyandi
Okka sari chala loans apply cheyadam manaki baga harm chestundi. Banks, lenders cheyyinappudu emi suggest chestaru ante, vere vere banks ki frequent ga apply cheyyakunda undatam. Frequent applications, mana score ni damage chesestayi.
Simplicity hack: Oka loan pay chesi, taruvatha next loan ki apply cheyyandi.
6. Loan Mix Maintain Cheyyandi
Credit score improve cheyali ante, credit mix (secured and unsecured loans) baga balanced ga undali. For example, oka personal loan, oka home loan undi anukondi – ee different types lo balance maintain chesthe score improve avuthundi.
Pro Tip: Eppudu oka secured loan maintain cheyyandi, ila balance vachaka mana credit score rise avuthundi.
7. High Interest Rate Loans ni Munduga Clear Cheyyandi
High interest rate loans anni mundu clear chesesi, small loans unna taruvatha pay cheyyandi. Ila chesina score ni improve cheyyadam easy avuthundi. Ekkada ekkuva interest payments avasaram ledhu ante score improve avvadaniki chance ekkuva.
Best Idea: Small and unnecessary loans ni avoid chesina better.
8. Credit Card Balance ki Chinna Chinna Payments Cheyyandi
Monthly oka big payment ki waiting cheseyakunda, chinna payments chesina credit utilization and on-time payment baga improve avutayi. Credit card payments ni regular payments chesthu chinna chinna amounts lo clear chesina best.
Trick: Mi limit ekkuva balance maintain cheyyakunda, small frequent payments system use cheseyandi.
9. EMI kaakapothe Minimum Payment chesina Mundu Chudandi
Minimum payment chesina ok, kaani interest rate baga padathundi emi miss ayithe. Mana credit score safe ga undalanukunte minimum payment guda timely cheyyadam manchidi.
Pro Tip: Eppudu EMI miss kakunda maintain cheyyandi. Pending emi EMI unna vadi interest padathundi, so EMI payment priority ki pettandi.
10. Patience and Consistency Maintain Cheyyandi
Credit score instant ga improve avutundi anukokandi; patience kuda maintain cheyyali. Regular payments, credit utilization control chesi konni months wait cheste score baga improve avutundi.
Example: Mi score immediate ga 750 ki reach avvali ante 3-6 months patience maintain cheyyandi.
11. Financial Planning lo Mistakes Avoid Cheyyandi
Chinna chinna mistakes avoid chesina simple credit score improve avutundi. Budgeting mistakes, over-spending issues, etc., vatini control chesina mana score manchi level ki reach avutundi.
Smart Tip: Monthly budget maintain chesi over-spending control cheseyandi.
Conclusion: Mana Score Improve avvadam Enduku Important?
Credit score ante mana financial life lo crucial role play chestundi. Mana score bagunte loans approve avvadam easy avutundi, interest rate guda thagguthundi. So, mana 2024 lo credit score ni improve cheyyadaniki simple steps follow chesi, chala difference choosachu!
Ee tips follow chesi, month lo mana score change avvatam start avuthundi. Remember, credit score ante mana financial discipline ni choopinchadam. So, emi cheyina careful ga