Wake Up with Wealthtender

Wake Up with Wealthtender: Improving Your Credit Score

By  Wealthtender HQ

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Good morning, cardholders.

You may not be a professional athlete, but that doesn’t mean you’re not being measured by how high you score. Your score?

We’re talking about your credit score. Like it or not, these 3 digits can mean the difference between a home loan at a rock bottom rate or no loan no matter the cost.

But it’s not just buying a house that’s impacted by your score, so it’s important to ask yourself: Do I get the credit I deserve? πŸ€”

Today we’re helping you answer that question and serving up a holiday heaping of recommended reads and listens with ideas to make your credit score soar

What is the average American’s credit score? πŸ‘‡

We think you’ll enjoy this curated selection of articles from Wealthtender Financial Network partners.

πŸ’Έ Are You (Credit)worthy?

What’s in your credit score? Who’s tracking it? And how you can save big money by improving it? For such an important topic, we’re serving up two articles, one from Money Saved is Money Earned and another from Stocks and Coffee to get your mind percolating. 

πŸ™‹β€β™€οΈ But Why?

If you still need to be sold on why it’s important to improve your credit score, Marco shares 5 quick reasons why your wallet will thank you. [Carreira Finance]

βž• 150 Points

Jason promised himself he would get current on his bills and begin the process to eliminate his debt. Eight months later, his credit score improved more than 150 points. This approach worked for Jason. Could it work for you?  [My Money Chronicles]

βž• 300 Points

When her credit score was 515, Karen couldn’t live in the community she desired and may have been skipped over for job offers, too. But with the disciplined 5 step approach she shares with her readers, Karen joined the 800 club and hasn’t looked back. [Debt Free Lab]

πŸͺ“ Credit Score Hacks

If a disciplined approach to increasing your credit score sounds like a drag, consider the tips shared by Go From Broke and The Savvy Couple to hack your score higher.   

πŸ“ž Wrong Number?

Your credit score is important. What if it’s wrong? Unfortunately, errors occur all too often and your finances can suffer as a result. Fortunately, you can get your credit score fixed, but be ready to look in the mirror to find your fixer. [Average Joe Finances]

πŸ”¨ Credit Repair (Or Despair?)

If doing it yourself sounds daunting, a credit repair company may be able to help. But there’s a minefield of shady operators to avoid and scams to steer around. Read these FAQs first. [How to Fire]

🏑 The Score for Real Estate Investors 

Sandra’s high credit score is no match for Billy’s shoddy credit when it comes to securing a high LTV and low interest rate on the rental property purchase. The names may be fictitious, but the story is real. Don’t be a Billy. [SparkRental]

πŸš‘ Medical Bills & Your Credit 

When the medical bills pile up, can your credit get beaten down? The short answer is yes, but the 180 day law and the tips in this article can help you keep your credit score healthy. [Arrest Your Debt]

πŸ€‘ Don’t Forget the Perks!

Your credit score is high and your APR is low. Congratulations! It’s time to put all those perks your credit cards offer to work! Tis shares how her passion for plastic started in college and got her in to see Clapton. [Tis But a Moment]

πŸ“ Does What Gets Measured Matter?

“Generally speaking, the people that tend to obsess over their credit score are doing so because it’s something concrete they can measure… There are better ways to track your overall financial wellness.” [Financial Bliss with Kelley Long]

Listen to This

Recent podcast episodes from Wealthtender Financial Network partners you should listen to next.

🎧 Canadian Credit

You don’t have to live in Canada to learn useful tips about tackling your debt and improving your credit score in this conversation between Gloria and her friend Albert. [Miss Findependent]

We’re excited to introduce you to financial advisors and financial coaches featured on Wealthtender. Visit their profile page to learn more! Know someone who might be a good match? Forward this email and put your matchmaking skills into practice. πŸ€

Matt Goff

Fee-Only | Fully Independent | Fiduciary

Jen Hemphill

Dinero done with confidence.

Stephanie McCullough

Dedicated to women who want a true partner in $$ decision-making.

The Brightest Stars

Each week we showcase a member of our network who has earned a 5-star review on Wealthtender. 

Money Date by Zeta is an online love and money magazine with articles, tools, and guides to help couples grow their financial futures.

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πŸ‘‰ What is the average American’s credit score? According to Experian as reported by Business Insider, the average credit score in the US is 688. 

Disclaimer: The information in this article is not intended to encourage any lifestyle changes without careful consideration and consultation with a qualified professional. This article is for reference purposes only, is generic in nature, is not intended as individual advice and is not financial or legal advice.

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