KAFE Mornings

Give your credit score a boost!
Give your credit score a boost!

Repairing a damaged credit score requires time, but there are few steps you can take to expedite the process. Here’s what to do if you’re hoping to give your credit score a boost in a short period of time.

Pay down credit card debt.

One of the only surefire ways to give your credit score a quick boost is to pay down any existing debt you may be carrying on a credit card. This will have an immediate (and positive) impact on your credit utilization ratio, which essentially involves how much credit you are using versus how much is actually available to you.

Check your credit report.

Errors on credit reports are actually more common than you may think so combing over your credit report can benefit your score if it is indeed being pulled down by someone else’s negative information.

Commit yourself to making all your payments on time.

A first missed payment can cause a great credit score to fall 100 points or more. The good news is, so long as you don’t follow up this misstep with an even bigger one, you won’t feel the full effect for the entire seven years it takes the line item to age off your credit report.  Begin to undo the damage by getting current on your payments and re-committing yourself to making all future ones on time.

Thanks to Yahoo! Finance for this great info on credit scores! For more info, check out http://finance.yahoo.com/news/3-ways-boost-credit-score-100053556.html

KAFE Kritters

Elinor

Eleanor, the kitty with an old soul

A two month old, female cute kitten!

Dylan

Dylan, the lab who already loves you

He’s very friendly.

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Whatcom Humane Society Info

Link to their web site here.

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Whatcom Humane Society New Location and Hours

Including maps to both locations.