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Credit Card Debt Calculator”

How to improve your credit score

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Here’s something that you’ll almost never see on a financial TV show:

Consider 2 people…

  • One has great credit
  • The other has poor credit

In their 30s, they decide to buy houses of similar prices.

How much do you think they pay?

Simply by virtue of having different credit scores, the person with poor credit will pay over $68,000 more than the person with excellent credit.

Source: MyFico.com. Data calculated in October 2011.

Over $68,000. How many lattes is that worth?

THAT is the power of having a great credit score. Yet most “experts” will either (1) continue yammering on about lattes and clipping coupons, or (2) give worthless, high-level advice like “Improve your credit!” (Okay…how? Jackass.)

They do this because lattes and coupons are obvious and top-of-mind. In psychology, this is called the availability heuristic.

But just because something is obvious and top-of-mind doesn’t mean it’s important, which is why I love mocking dumb financial experts whose advice doesn’t work.

My goal with IWT is to show you what’s beneath the surface — what’s important, but not obvious — to get you BIG WINS.

So today, I’ll show you a step-by-step process to improve your credit score, which is one of the top 10 Big Wins you can get in your life.

The tactics: How to improve your credit score

You don’t need to become a credit weirdo like me and read 50 books on credit optimization to raise your credit score. You can actually ignore most advice and simply do a few, key things to dramatically improve your score.

In fact, there are 3 major steps that will have the biggest impact in improving your credit score. Check it: Here’s what your credit score is composed of:

Source: MyFico.com.

I’m not going to give you 50,000 tips on how to improve your credit score. Instead, I’ll show you 3 tips to raise your credit score that work:

1. Automate your credit card payments

35% of your score (the biggest portion) reflects your payment history, so even missing 1 payment can cause your credit score to drop 100 points, jack your APR up 30%, add $200+/month to your monthly mortgage payment (insane, I know), and more.

Set up automatic payment using my IWT system. I even recorded a video showing you the exact accounts that should pay each other, using my amazing artistic skills.

Notes on automating your payments:

  • Since 35% of your credit score is based on your payment history, setting up automatic payments is your Big Win here.
  • Instead of doing what most people do (wait until the end of the month, then try to remember to pay…and when they forget, they get slapped with huge penalties), set up automation so you never have to worry about this again.
  • You should ideally be paying off your entire credit card balance each month, but if you can’t, you can still improve your score by paying at least the minimums, on time, every month.

Here’s the video on automating your accounts:

2. Pay off your goddamn debt

If you have credit card debt, read on…

Too many idiots decide that since they have debt, they should game the system and play the 0% balance transfer game, switching balances from card to card to save a few percentage points on debt interest. Yeah!! Let’s stick it to the man!

What I’ve found is that they spend more time transferring balances from card to card instead of actually paying their debt off. Honestly, get a life. The credit card companies are smarter than you, so if you try to game them, it’s only a matter of time before they destroy you.

Instead, here’s what I want you to do:

  • Go to http://www.whatsthecost.com/snowball.aspx (my favorite debt calculator) and plug in your numbers
  • You will see EXACTLY how long until you pay off your debt. Stick to the plan via automation (see step 1 of this email)
  • Decide, optionally, to use the negotiation material from Chapter 1 of my book. It doesn’t always work, but when it does, you may get results like this…

Just followed tips from @ramit and negotiated to lower interest rate on my Gold credit card from 20% to 7%!!! Incredible!Tue Oct 25 00:15:39 via web


The results someone got 2 days ago using my book to negotiate their APR down.

3. Keep your old accounts open — and set up a $5 monthly charge on them

So many times, when people get motivated to “do something” about their credit cards, the first thing they do is close all the cards they haven’t used in a long time. Sounds logical! Let’s clean out the old cobwebs in our wallet!

In general, however, this is a bad idea: 15% of your credit score reflects the length of your credit history, so if you wipe out old cards, you’re erasing that history.

Plus, you’re also lowering your “credit utilization rate,” which basically means (how much you owe) / (total credit available).

Bottom line? Even if you don’t use a card, consider putting a small charge — say, $5/month — and automating it each month. In this way, you ensure your card is active and maintains your credit history.

Notes on keeping your accounts open:

  • For nerdy people (aka half my readers), here’s the math of your credit utilization score — plus a little-known caveat: “If you close an account but pay off enough debt to keep your credit utilization score the same,” says Craig Watts of FICO, “your score won’t be affected.” (Most people don’t know this.) For example, if you carry $1,000 debt on two credit cards with $2,500 credit limits each, your credit utilization rate is 20% ($1,000 debt / $5,000 total credit available). If you close one of the cards, suddenly your credit utilization rate jumps to 40% ($1,000 / $2,500). But if you paid off $500 in debt, your utilization rate would be 20% ($500 / $2,500) and your score would not change.
  • If you’re applying for a major loan— for a car, home, or education—don’t close any accounts within six months of filing the loan application. You want as much credit as possible when you apply. (However, if you know that an open account will entice you to spend, and you want to close your credit card to prevent that, you should do it. You may take a slight hit on your credit score, but over time, it will recover—and that’s better than overspending.)

Bonus! Raising your credit score if you DON’T have CC debt

I’m serious about this warning: This tip is only for people who have no credit card debt and pay their bills in full each month. It’s not for anyone else.

It involves getting more credit to improve your credit utilization rate, which is simply how much you owe divided by your available credit. As I mentioned, this basically makes up 30 percent of your credit score. For example, if you owe $4,000 and have $4,000 in total available credit, your ratio is 100% (4,000 / 4,000 x 100), which is bad. If, however, you owe only $1,000 but have $4,000 in available credit, your credit utilization rate is a much better 25% ($1,000 / $4,000 x 100). Lower is preferred because lenders don’t want you regularly spending all the money you have available through credit—it’s too likely that you’ll default and not pay them anything.

To improve your credit utilization rate, you have two choices: Stop carrying so much debt on your credit cards (even if you pay it off each month) or increase your total available credit. Because we’ve already established that if you’re doing this, you’re debt-free, all that remains for you to do is to increase your available credit.

Here’s how: Call up your card company and ask for a credit increase.

You: “Hi, I’d like to request a credit increase. I currently have five thousand dollars available and I’d like ten thousand.”

Credit card rep: “Why are you requesting a credit increase?”

You: “I’ve been paying my bill in full for the last eighteen months and I have some upcoming purchases. I’d like a credit limit of ten thousand dollars. Can you approve my request?”

Credit card rep: “Sure. I’ve put in a request for this increase. It should be activated in about seven days.”

I request a credit-limit increase every six to twelve months, like clockwork. Some people find romance in sending flowers to their significant others. I find it in talking to Delores, my friendly credit card rep, every 6 months.

Remember, 30 percent of your credit score is represented by your credit utilization rate. To improve it, the first thing you should do is pay off your debt. If you’ve already paid off your debt, only then should you try to increase your available credit.

3 things to remember when improving your credit score

  1. Improving your credit score is one of the top 10 financial Big Wins you can have. While others are scrounging around and worrying about ordering a medium Diet Coke, you can focus on something that will pay off with tens of thousands of dollars when you make the large purchases that we’ll all make in our lives.
  2. Dumb people like to do everything (e.g., balance transfers) EXCEPT doing what really matters: Automating, Paying That Goddamn Debt Off, and Keeping Old Accounts Open. Stay focused on these 3 steps and your score will improve over time.
  3. Improving your credit scores are a marathon, not a sprint. Give it a few months before checking. To check your credit score right now, check out myfico.com.

Want to learn more ways to save money — quickly?

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195 Comments on "How to improve your credit score"

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Jared
4 years 11 months ago

How do cards like American Express (no preset spending limit) factor into the equation?

Riley Cabot
4 years 11 months ago

Typically the highest amount you have ever charge on your card will be picked up as for the “Credit Limit” on that card (much like a loan). So if you charge $500 (and only $500) each month it will show on your report as though you are maxed out every month. So if you have a big spending month you can put everything on the card to increase the reported “Limit” and then in the future your utilization will appear to be lower.

Alex | Perfecting Dad
4 years 11 months ago

I think that many other financial advisors DO actually advocate for building or improving credit score and paying off credit card debt. It’s not only lattes and frugality 🙂

This is the easy stuff, but good to throw it out every so often for the next gen.

sara
sara
4 years 11 months ago

I appreciate Ramit telling us how to do that; I haven’t seen these recommendations in one place before for what improves a credit score. Thanks!

Brian
Brian
4 years 11 months ago

Does anybody have a comparable free credit score checking solution for people not in the United States? Specifically Canada.

I’ve been looking into this and it seems mythical – immediate, online credit scores from TransUnion or Equifax cost a fee, although you can apparently get one for free *somehow*.

Andrea
4 years 11 months ago

I don’t recall offhand but I know that David Bach (Automatic Millionaire author) has a Canadian edition of his Fight for your Money book, which includes a list of Canadian resources for free credit checks.

Sara
Sara
4 years 11 months ago

I got my credit score for free from Transunion by snail mail. You can download the form here: http://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.page

Sun
Sun
4 years 11 months ago

Jared – I think you are asking about charge cards. That’s an interesting question as there is no set credit line limit.

I opened up a $15k credit card last month and boosted my credit score by 50 points. I put a few charges on it, but just opening up a new credit card lowers your credit to debt ratio (utilization rate). We we also aggressively paying down our debt (we were at $43k, now $25k in 9 months) which also improves your score for the long-term.

Scott Sery
4 years 11 months ago

This is good, I’m going to call my credit card company and ask them to boost me to $15,000 from $7,500 since I’ve never had a late payment in 6 years and always pay in full.

I would add to check with the credit card to verify how they report your credit to debt ratio. I heard a rumor that with some cards they will report your credit limit as the same as what you spent, even with a limit of say $10,000 and only used $1000. I never verified it since it didn’t relate to my Mastercard.

Riley Cabot
4 years 11 months ago

That rumor can happen, if all of the lines on the transmittal to the credit bureaus are not filled out, or are filled out incorrectly. In the case where it is missing, the bureau just assumes the amount spent is at least the limit (same as American Express is typically handled).

I’ve even seen where the limit was correct for one bureau, but missing on another. That issue is usually a reasonably easy fix via dispute through the credit bureau that is misreporting.

Charissa
Charissa
4 years 11 months ago
For some reason, on my credit report, my Chase Freedom card always shows a $0 credit limit even though my credit limit is something like $11,000. One time I called Chase to have them fix it, and got a lengthy letter back to the effect of “its revolving credit so there’s not a credit limit” or something retarded along those lines. I’m sure they’d gladly charge a fee if I happened to go over this ‘non-existent’ credit limit though. I haven’t called back to try to get it worked out though and wasn’t sure how it affected my credit score.… Read more »
Ron
Ron
4 years 11 months ago

What recommendations would you have to someone who has little or no credit history at all?

Juliana
Juliana
4 years 11 months ago

Ron–

You need to show the credit companies that you are willing to play their game. Open a credit card, if you don’t have one already, and use Ramit’s point #3. Put something on it every month and pay it off every month. My sister puts her rent on hers and has an automatic payment. No fees, and she’s still building her credit history.

It takes time to build a credit history. There’s no way to speed it up, so start soon.

Riley Cabot
4 years 11 months ago

You can “speed up” the process by having yourself added to someone else’s credit card account as an authorized user. Some credit card companies will then report that person’s history, good or bad, on your report.

Sun
Sun
4 years 11 months ago

Go get a Macy’s card. They will approve anyone for $100 credit. You can also try AmEx or Discover. Unlike Visa or MasterCard, they handle all their own financial risk. AmEx or Discover will actually review your history carefully versus some automated online BS that most of the other banks do.

Dan
Dan
4 years 11 months ago

Does having credit cards open that you don’t regularly use negatively affect your credit?

Also, does the hit to your credit score when you close a credit card come only from the hit to your debt utilization ratio? If I open a new card and then close an old one with an annual fee, does my score stay relatively the same?

Smit
Smit
4 years 11 months ago

Not using a card doesn’t hurt your score, but you want to regularly put a small charge on unused cards because banks will often close inactive accounts.

The graph above shows that 15% of your credit score is determined by the average length of your credit accounts. In addition to hurting your debt utilization ratio, closing an account also reduces the average age of your accounts, making closing accounts a double whammy.

MD
4 years 11 months ago
Wow I love how this worked out. The same day I release my guide on credit you have a similar post go up. I always stress to friends not to close any accounts prior to applying for a mortgage because the negative bump will hurt them. I was actually working with a friend (who asked me for advice, not me preaching) on buying a property. His credit score sucks, his salary is okay, and he’s 30. I suggested that he took a year to pay down his debt, improve his credit score, and save more money for a down payment.… Read more »
Stacey
Stacey
4 years 11 months ago
Don’t forget that your credit history impacts your ability to be hired in certain industries, so that is another reason to be as responsible as you can be. Also, Ramit, didn’t I make myself clear what would happen if I ever saw “latte” in a post… 🙂 Ron, my advice would be to get a credit card, even a dept store card, and pay on time. That’s how you build credit. The next would be a car or mortgage loan…but another viewpoint is what Dave Ramsey suggests: you only need a credit score if you have debt or need to… Read more »
Tom
Tom
4 years 11 months ago
Ramit – great post. I’m a long-time reader and fan of your work, and have personally benefited tremendously from taking your advice, both on the blog and the book. From CC to bank accounts, to investments, when friends ask where I learned it all I point to you. I want to add something to this regarding Capital One. I was offered a “starter” card from Capital One for people w/ poor credit and had been paying it off in full every month for over a year while they continuously refused to raise my limit and instead kept offering me more… Read more »
Wendy
Wendy
4 years 11 months ago

Ramit, when I called my credit card company to request a credit limit increase, the rep informed me that it would involve a credit check. Normally, I’d think credit checks are bad unless absolutely necessary because the check stays on my credit history for several years.

Is it worth the credit check for the limit increase?

Jess
Jess
4 years 11 months ago

How do I battle the “too many inquiries” drop? We are house hunting currently and so the potential lenders each put in a request. Should I still get the credit limit increased?

Sun
Sun
4 years 11 months ago

Inquiries within a certain time frame like 45 days will all be grouped together. If you’re searching for long periods of time, then it may show as a hard credit pull multiple times.

Sun
Sun
4 years 11 months ago

Your oldest inquiries drop off after awhile. This means, just don’t seek new credit or engage in activities that require a hard pull.

Bobby
Bobby
4 years 11 months ago
Ramit, I just wanted to say that this post sucks. Why? Because I read your book two years ago when I was $25k in the hole making $42,000 a year, and a 530 credit score. Read your book, took E1K, and my whole life is different now. I now have zero debt (save for my $5 credit card balances every month), I make over $35,000 more with the same company, and I’m pinging 700+. You may ask what my strategies were, but it would be the same as looking in the mirror (“oh yeah, I did say drop that brilliant… Read more »
ucladebt
ucladebt
10 days 20 hours ago

How did you get to 700 from 500??!?

Priya
Priya
4 years 11 months ago

Would love to hear about negotiating salary, esp. in a workplace with “fixed raises.”

Stacey
Stacey
4 years 11 months ago

Sara,
It looks like your link is only for the report, not the score, so beware. You usually always have to pay for the score, unless you’re sitting in the auto dealer ‘s finance office and ask what it was and s/he tells you.

Cornelius Allen
Cornelius Allen
4 years 11 months ago
So…let me get this straight: In order to keep a good credit score, you have to keep playing Kissy Face with the bank? That is you have to keep borrowing and repaying. The FICO score’s formula is completely based on debt, not net worth, savings, or any formulaic aspect of your investment portfolio. None. Nada. Perhaps a better approach to getting a good deal on a mortgage is to STOP worshipping the almighty FICO score and focus more on one’s rental history, consistent income, etc. That is the old fashioned way where you EARNED your mortgage and didn’t play these… Read more »
Juliana
Juliana
4 years 11 months ago
The only things the credit score measures is how willing you are to use credit, and how good you are at paying it back. FICO was originally an internal tool developed by Fair Isaacs as a way of measuring whether or not someone was a good lending risk. So yes, the FICO score is only based on debt. That’s why when you apply for a mortgage, one of the factors they look at is your FICO score. You want to borrow money? What are the odds you are going to pay it back. The bank also looks at income vs.… Read more »
Christopher Jones
Christopher Jones
4 years 11 months ago

The DR is in *winks to Cornelius*

imelda
imelda
4 years 11 months ago

You might be interested in Dave Ramsey’s perspective on credit scores: http://www.daveramsey.com/article/the-truth-about-your-credit-score/lifeandmoney_creditcards/

In that article, he talks about using a mortgage lender who does “manual underwriting” – basically examining your financial situation and history, rather than relying on the score. That is, basically, the “old-fashioned way” you’re talking about.

I have no idea how practical it is, but Dave’ s been giving that advice for years, and provides a list of lenders who offer manual underwriting. (and who also, I’m sure, give him a kickback for referrals)

Bobby
Bobby
4 years 11 months ago

@CorneliusAllen – While that old fashioned way may be the way one earned their mortgage, the “game” works.

Solomon
Solomon
4 years 11 months ago

Hey Ramit,

What do you know about any negative effects of too LOW a credit utilization? My friend had like a $3,000 credit limit on his card but only used like $50-100 a month (while immediately paying those off even before the statement is issued). He got denied for credit limit increases and got a new credit card which also only gave $3,000. Does his ridiculously low utilization affect limit increases and future cards? Thanks!

Brina
Brina
4 years 11 months ago

Ramit,

What if you don’t even have a credit card? I have student loans and a car payment that demonstrate a solid payment history but it is yet to move my credit score in any direction. Should I just open a small card and charge/pay off something small for a few months?

David
David
4 years 11 months ago

@Brina

Yes! You should get a credit card ASAP to build your credit rating.

Preferably, get a rewards card where you can work towards something with your purchases (I have a Chase Amazon Visa). Start with small purchases every month, and pay the balance every month. Once you get comfortable with that, pay for more things with your card. It makes it easier to track your spending (plus the rewards).

I now pay EVERYTHING with my rewards card, and pay it off every single month, never keeping a balance and never paying interest. Hope I helped!

dave
4 years 11 months ago

awesome post ramit!

Ryan S.
4 years 11 months ago

One strange thing I’ve found out after paying off all my debt… To have a credit utilization of 0% is actually not great. According to sources like Credit Karma, having, say, $0/$15,000 only gets a grade of “C.” I guess having something like $1,000/$15,000 would be better. That said… I think I’m willing to take the hit rather than leave money on the books just for a bump. The interest I’d pay may not be worth it. Has anyone else seen this?s

Sun
Sun
4 years 11 months ago

This is a misconception. Your credit score is based on your statement. You never have to pay interest if you pay off your statement within the grace period. If you charge $10 on the credit card, you just have to pay it off by the due date assuming you had no balance the previous month.

Juliana
Juliana
4 years 11 months ago

Great post Ramit!

I once had a job where I looked at all of our clients’ credit reports. I think #3 is the best part of this post, because it’s the part that’s not obvious–I never figured it out until I saw the first 50 or so reports.

Also, you would not believe how bad doctors and lawyers are with money. It’s astonishing how bad they can be.

JD
JD
4 years 11 months ago

Excellent advice/post except for the unneeded use of idiot, stupid, jackass and goddammit which at least for me is a turnoff.

Thanks.

Miho
Miho
4 years 11 months ago

Is that true that a hard inquiry is required to raise the credit limit above $25K?

Noah
Noah
4 years 11 months ago
I have no credit card debt, and always pay off my balance in full and on time. I am also 2+ years away from even thinking about buying a house (so I have time to get my score as high as possible). Would I be better off right now opening up additional lines of credit, or should I just focus on growing my credit line on the card I have (which I have had for around four years)? I have a rewards card but there are definitely better cards out there, and I suspect I could increase my credit limit… Read more »
Noah
Noah
4 years 11 months ago

To add on to the previous post, my credit limit on my sole card is not especially high (<$5,000). I've requested increases several times, but generally don't approach my limit so I've never been granted more than a $1,000 increase.

Steve G
Steve G
4 years 10 months ago
Noah, I’m not a credit expert but in my experience I get limit increases either when I charge 50% of my limit or more for a period of several months (work trips are good for this), or if I call and ask for it and have a specific reason, like “I’ll be traveling for work and may need to charge some expensive airfare.” My guess is that significant credit increases are only given to people with both great credit and who have used a significant chunk of their available credit with that company. If you’re using less than $1000 each… Read more »
Rachel
Rachel
4 years 11 months ago

Wow I love how timely this post is for me! I recently learned that a person in my life has a credit score of 849. I began interviewing him on how he did this and I have put together about 13 chapters for a guidebook on obtaining perfect credit (among other financial strategies). I’m glad to see the interest in this information is strong!

The one thing I don’t think he does is automate his payments (he is just very diligent) but personally I think automation is a great tool. Thanks for the suggestion Ramit!

Kristin
4 years 11 months ago

I can’t help but point out to the younger folks reading this…buying your latte’s with a credit card and paying it off each month is a good way to start small 😉

Sun
Sun
4 years 11 months ago

Why not buy drip coffee instead of a latte? That costs 50% less. Or better yet, make it at home. $10 for a pound of coffee, or two lattes… Hmmm

Rebecca
Rebecca
4 years 11 months ago
Credit score *does* matter for things other than taking on debt. About a year and a half ago, I had no credit at all– I had gotten by with no credit cards for over a decade after some minor debt problems in my early 20’s, and I didn’t carry any other debt. I so completely had no credit, as it turned out, that one of the three credit score bureaus couldn’t even identify me initially. I tried to switch cell phone companies at one point and they wouldn’t give me an account because I didn’t have a credit score. Businesses… Read more »
Jeremy Freelove
Jeremy Freelove
4 years 11 months ago

“Over $68,000. How many lattes is that worth?”
Answer: Approximately one per day until your mortgage is paid off. Skip the lattes and have a good credit score, save $136,000.

AD
AD
4 years 11 months ago

I have a question regarding your “Bonus! Improving your credit score if you DON’T have CC debt”:

I’ve heard that if my bank were to reject my request for a credit increase (even though I’ve never missed a payment, have no CC debt, etc) – that rejection would lower my credit score. Is that a myth?

SP
SP
4 years 11 months ago

What is the most “free” link to view your credit score?

Johnny Mean
Johnny Mean
4 years 11 months ago

Ramit,

After reading your book, I enacted these strategies while still confined to bed from an injury. Raised my credit score 50+ points in 6 months to 832. That was almost 2 years ago. The bank keeps asking me to borrow money now!
A credit score of 832+ puts you in a different class.

Credit score matters for things like rent applications as well. Being a lower risk tenant you get bumped to the front of the line and can even negotiate rent payments.

Johnny
Vancouver, Canada

Breanna
Breanna
4 years 11 months ago

I am also wondering how American Express cards factor into your credit score. Is it true that they assume the amount spent is the limit for charge cards? If so, would it be more benificial in the long run for someone with little credit history and no debt to use a credit card instead?

Glen Craig
4 years 11 months ago

I put my lattes on my credit card. Well, to put money on my SB card. Then I make sure to pay my CC off every month. Win-win.

Interesting advice about increasing your credit limit. It shows how screwed up the system is that you can actually improve your score by getting more credit.

Anant
Anant
4 years 11 months ago

I’ve caught myself in a bit of a sticky situation. I took more than a year to pay off a debt of $500 – naturally, it swelled to about $800 before I finally paid it off. But *I paid it off!*

I think they cancelled my credit card in the meantime. That was about 3 months ago. Since then, I’ve been trying to apply for new credit card with various banks, but have been getting rejected repeatedly.

Should I be worried? Coz I am. A little.

Fred
Fred
4 years 11 months ago

Rebecca, thanks for your tips! I’m planning on getting a credit score too, so any guidance is welcome.

My bank is a small local bank that doesn’t offer credit cards, so my guess is I’ll have to go with a secured card with a yearly fee.

Ramit, I understand the purpose of keeping old accounts open to maintain your history, but why put a $5 monthly charge on them? Do sleeping accounts perhaps get closed?

Livia
Livia
4 years 11 months ago

I know from experience that if you don’t use a credit card they will never increase your CC limit and they can close due to inactivity which is not good for your credit score. Keep your credit history going and order that latte on the card!

I personally set-up the two cards I never use with my monthly gym membership and the other with my monthly car insurance payment. Then I set-up automatic payments through my Charles Schwab account so I never have to think about those cards.

Steve G
Steve G
4 years 10 months ago

Inactive (sleeping) accounts can get closed. In practice, I have a Capital One card I only use for overseas travel (it doesn’t charge any currency conversion fees), and they haven’t closed it even though I go months between using it. They might leave it open for me because I have great credit (above 770), but you’d probably need to be inactive for 6+ months before needing to worry about it. On the other hand, if I had my electricity bill go to that credit card and automated payments, I wouldn’t have to think about it.

Joy F
4 years 11 months ago
Followed all of these when I read your book several years ago. The update is good 🙂 Chase recently told me that they couldn’t increase my credit anymore because it is now equal to what I make in a year. Do I just leave it alone now then? I have Hyatt and United rewards cards from them. I did close my Continental card when the two airlines merged – but I called Chase and asked if they would just “merge” the limit of the two airline cards since the airlines had merged. Since the United card was my original card… Read more »
Collin
Collin
4 years 11 months ago
Good advice. As far as closing accounts, I typically sign up for new cards with mileage bonuses that waive the first year fee. I like to close these accounts within twelve months to avoid the charges (then sign up for new bonus cards…rinse and repeat). I’ve never had a home or auto loan and my credit is 750 (not too shabby). Is closing these accounts alright or am I really continually resetting my credit history? Also, to be fair Ramit, in your 30-year loan example, $4 lattes five days per week over the same period would cost over $30k. If… Read more »
Steve G
Steve G
4 years 10 months ago
I’m in a similar situation–my credit score never seems to get above 780, and once when I paid for an “analysis” on experian.com they said the main thing I could do to improve my credit was use different types of debt. The only debt on my record was student loans and then now revolving credit card debt. I suspect an auto loan would be helpful. One thing that has helped me is to keep a selection of no annual fee credit cards open long-term which help to offset the annually refreshing bonus cards I get. Currently in my drawer at… Read more »
Chris
Chris
4 years 11 months ago

So just to be clear, if I’m near my limit on my card, it would be better to raise my limit so I’m not utilizing 90% of my credit limit on that card?

Sun
Sun
4 years 11 months ago

Chris – it would just be better to have less credit card debt. I am more under the impression that what is important is your total debt to credit ratio, but you also don’t want to go over the limit of your individual credit cards. I’m paying down debt, so I’m going to toy with taking some cards up to 90% 😉

Here is what CreditKarma says:

Credit Score Weight: High

Credit card utilization is defined as your total credit card balances divided by your total credit card limits. The utilization percentage is often correlated to your credit score.

Jonathan
4 years 11 months ago

What do you tink of creditKarma.com I use it to look at my score but I am not sure how accurate it is.

Livia
Livia
4 years 11 months ago

I was wondering the same thing so I ordered my credit scores (my bi-yearly review) and checked credit karma. It wasn’t close for me but check it out yourself.

Kat
Kat
4 years 11 months ago
Two other big wins that come from a good credit score… 1) Employment – It’s becoming increasingly common for companies to run credit checks prior to employment, and its a requirement for any job that requires a security clearance. In fact, if you work in a job that requires a clearance, they will continue to check your credit while you have that clearance. People have been fired for losing their security clearance due to bad credit. Maybe not a big win per se, but if you don’t get a job or lose one, that’s a big loss. 2) Insurance –… Read more »
imelda
imelda
4 years 11 months ago

It’s becoming increasingly common for companies to run credit checks prior to employment

Can anyone confirm this? I know it *happens*, but I’ve been seeing more and more PF and career bloggers online mention it lately. But can anyone cite some study or poll that indicates that this is happening more frequently – or even that it’s common at all?

Adam Secada
4 years 11 months ago
Quick Question / Critique — I use an Airlines Reward Card to pay for pretty much everything so when I take vacation I can go anywhere I want to for free. However, the best rewards cards, in my experience, have a yearly service fee associated with them — 75 bucks a year, for my Airlines Card. On instinct, when I get a new credit card, I’m not going to want to keep my old accounts open, simply because of that horrible service charge. Would a good course of action be to keep your old accounts open before a major purchase… Read more »
Noah
Noah
4 years 11 months ago

Adam–

Why have you heard that free rewards cards aren’t worth having? For me, I can’t imagine that given my low yearly spending that I’d “earn” back the $75/year charges on the “better” rewards cards.

Adam Secda
4 years 11 months ago
Hey Noah — Well, I dump all of my bills into my Citi AAdvantage Airline Card, which equates to about $25k per year in Expenditures (And thus 25k Miles on my Account for Upgrades / Free flights), and I’m signed up for the AAdvantage Dining Program on the AA Website which gives me Triple Miles on local, non-chain restaurants around the country when I travel for business. When alls said and done, it works up to be about 60,000 Miles per year, which not only upgrades me to AA Gold (Which is nice to have when you travel a lot… Read more »
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[…] How to Improve Your Credit Score  Some very solid tips from Ramit on how to improve your credit score with minimal effort. […]

Lindsay
Lindsay
4 years 11 months ago
I did the balance transfers to 0% interest thing to get out of bad credit card debt, but this was about 5-8 years ago when those 0% intro rates were falling from the trees. I wasn’t doing lots of extra work, I’d just set up a reminder in Outlook to tell me when the rate was going up. I’d call and ask them if the new rate could be something lower than retarded, and when they said no, I’d get a new card, transfer the balance, set up another reminder for 6 months to a year from then, to do… Read more »
Sun
Sun
4 years 11 months ago

I don’t know what your balances being transferred were, but you are paying anywhere from 3% to 4% on those balances. If the intro 0% APR was only for six month, you are effectively paying an APR of 6% to 8%. Not such a good deal sometimes.

Juli
Juli
4 years 11 months ago

I did all that and it still hasn’t worked! I have three debts on my credit score: one is my car which is an automated payment, another is a school loan, also automated and another is a bill I never paid but made arrangements to pay 100$ a month on it for the next 14 months and then it’s gone.

Over the past six months I have paid off everything on my credit report but those two, I opened two secure credit cards (that I didn’t want but use to raise my credit score) and my score hasn’t budged!

John Ellis
John Ellis
4 years 11 months ago

Hey you are full of crap about credit increases. The banks just don’t increase your credit when you.call and ask. It depends on factors they set like credit rating, no current increases for noone, ect. I asked 2 diffent companies for increases with perfect payment history after 1 year+ and the said they weren’t doing increases at all. Be thorough before you give out inaccurate info.

Joy F
4 years 11 months ago

John E – I have gotten an increase every time I have asked – which has been about once a year.

John E
John E
4 years 11 months ago

Joy, hurray for you, but his info is not for every card nor every situation was the point, not your mutual liberal credit extension like the author. sounds like a cheap jab if you ask me.

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[…] your credit score: Since having higher credit limits helps your credit score, it never hurts to call your credit card companies every year and ask them to raise your credit […]

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[…] Credit ScoreCredit Report – How to Improve Your Credit ScoreTroubled about your credit scores?How to improve your credit score /* Link color */ a, #site-title a:focus, #site-title a:hover, #site-title a:active, .entry-title […]

Keith McDorman
4 years 10 months ago

To put this in perspective: $68,000 is one $5 latte a day, every day of the year, for more than 37 years…

Ita Maulani
1 year 3 months ago
I agree with you that we can lose a low credit score quickly. The trick is that we have to pay the monthly bills on time. Here, you need to automate the payment. That is, the lender will directly take some of our money to pay the monthly bills. All can be done by a bank or other lender. This will make you not worry about being late paying monthly bills. You can also quickly find out your credit card balances. Not only that. With automatic bill, you’ll get an extra bonus, 0:25%, of the funds you paid. Yes, it… Read more »
JV
JV
1 year 2 months ago

I applied for a secured capital one cared a week ago and got approved. My question is even though i have bad collections on my credit report, if I do the utilization ratio of less than 10%, and I have bad collections that been there for a few months and years,will my credit score goes up? Will somebody please help me? Thank you.

Improve Credit
1 year 2 months ago

Appreciating the persistence you put into
your blog and detailed information you present. It’s awesome to come across a blog every once in a while
that isn’t the same outdated rehashed material. Fantastic read!
I’ve bookmarked your site and I’m adding your RSS feeds
to my Google account.

John Ambrose
11 months 23 days ago

Do you need a loan if yes contact us johnambroseloans@gmail.com

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[…] How to improve your credit score – I Will … – Here’s something that you’ll almost never see on a financial TV show: Consider 2 people… One has great credit; The other has poor credit; In their … […]

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[…] How to improve your credit score – I … – Here’s something that you’ll almost never see on a financial TV show: Consider 2 people… One has great credit; The other has poor credit; In their … […]

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[…] How to improve your credit score – I Will … – 2. Pay off your goddamn debt. If you have credit card debt, read on… Too many idiots decide that since they have debt, they should game the system and … […]

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[…] first heard about this tip from Ramit Sethi, and he even explains how to call the credit card companies to ask for an […]

James Ryer
James Ryer
9 months 5 days ago
I think credit bureaus have too much power and the methods they use to determine your credit score work for a company where I make lots of purchases and travel, plus I own a my own business and this is my preferred method for purchases. Part that sucks is my company reimburses me after the first of each month, right after credit cards report to the bureaus. I disagree with the statement above that 30% of your score is based on you payment history. I consistently have a score between 600-700 each month even though I have never missed a… Read more »
beutiful-house1.com
8 months 13 days ago

Actually, the problems that can be caused by traditional chemical products can be enormous.

This lets them know how they have done and it helps them to improve their cleaning.
To begin with, you would need an office, some people who will clean the apartments and also some cleaning equipments.

beutiful-house1.com
7 months 8 days ago

You can choose your own timings and above all, you can choose how much
work you want to take up. Now that you have a set
of questions to work with, its time to start contacting
companies and get a few estimates. To begin with, you would need an office, some people who
will clean the apartments and also some cleaning
equipments.

Amirzox0.wordpress.com
7 months 5 days ago

These are the right size for most cleaning jobs, very absorbent,
lint free, and best of all reusable. Will you need the cleaning
service to do a thorough cleaning for you. Is
there anything special that the cleaning service needs to know about.

Emily living
7 months 4 days ago

Hey Ramit
Thanks for sharing great information.
Your blog is great help to me as well as many other.
I really like to read such informational blogs specially related to scores.

Stefan
7 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.

It is an extremely versatile product that is inexpensive and helps cut
back on the use of expensive chemicals. Is there anything special that the cleaning service needs to know about.

elwadelsadek.com
7 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
When apartments get the unit “make ready” for the next tenant, they
usually employ a cleaning service to complete this.
Most of the companies that offer apartment cleaning
services are bonded and insured so that if any accident were to happen they will take full responsibility for
the replacement.

https://Sa-1.net/---
7 months 2 days ago

If you have the tendency to horde things, you will have to learn let go.
You can also keep containers of various colors and sizes in different rooms.

Most of the companies that offer apartment cleaning services are bonded and insured so that if any accident were to happen they
will take full responsibility for the replacement.

7ooo8.com
7 months 2 days ago

These are the right size for most cleaning jobs,
very absorbent, lint free, and best of all reusable. Finally, I think parents and grandparents need to
make it clear to students that keeping the
apartment clean is a personal health issue. Is there anything
special that the cleaning service needs to know about.

Tera
7 months 2 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.

Now that you have a set of questions to work with, its
time to start contacting companies and get a few estimates.
While you schedule your work, make sure that you make allowance for
cleaning different parts of the house on different days.

Delila
7 months 2 days ago

Actually, the problems that can be caused by traditional chemical
products can be enormous. Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.
To begin with, you would need an office, some people who will clean the apartments and also some
cleaning equipments.

Soqor-Makkah.com
7 months 2 days ago

If you have the tendency to horde things, you will have to learn let go.
Now that you have a set of questions to work with, its time
to start contacting companies and get a few
estimates. There are a couple of excellent e-courses available that
give a lot of really valuable information on how to structure your business,where and how
to get clients, how to calculate prices, what equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40
they cost.

https://Www.elqanas.com
7 months 2 days ago

You can choose your own timings and above all, you can choose how much work you want to
take up. There is no limit on what you earn – Once you have made
a good base of clients, you will see that you can earn as much as you want.
Of course, you don’t want to be doing something every minute of the day, so
take some time to relax too.

https://abonawaf.org/
7 months 2 days ago

You can choose your own timings and above all,
you can choose how much work you want to
take up. It is an extremely versatile product that is inexpensive and helps cut
back on the use of expensive chemicals. You don’t want to be inhaling dust or preparing food on dirty,
contaminated surfaces.

https://Joudyint.com/
7 months 2 days ago

Before you start calling properties and getting estimates, you may need to find out
what you need cleaned. There is no limit on what
you earn – Once you have made a good base of clients, you will see
that you can earn as much as you want. Equipment should also be serviced on a weekly basis to make
them more efficient.

goldensqksa.com
7 months 2 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
There is no limit on what you earn – Once you have made a good
base of clients, you will see that you can earn as much as
you want. Regardless of whether you have a 3 bedroom apartment home or
a studio, your place will get dirty.

الراية كلين
7 months 2 days ago

These are the right size for most cleaning jobs, very absorbent, lint free, and best of
all reusable. This lets them know how they have done and it helps them
to improve their cleaning. These mops can be a bit pricey initially, but over
time will add up to hundreds of dollars in savings on floor products, especially
if you have many types of flooring.

elmomtaz.com
7 months 2 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
This lets them know how they have done and it helps them to improve their
cleaning. You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

الوعد الصادق
7 months 2 days ago

If you have the tendency to horde things,
you will have to learn let go. This lets them know how they have done and it helps them
to improve their cleaning. To begin with, you would need an office,
some people who will clean the apartments and also some cleaning equipments.

Clair
7 months 2 days ago

If you have the tendency to horde things, you will have to learn let go.
Finally, I think parents and grandparents need to make it clear to students that keeping the
apartment clean is a personal health issue. There are a couple of excellent e-courses available
that give a lot of really valuable information on how to structure your business,where and how to get clients, how to
calculate prices, what equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40 they cost.

el3alamia.com
7 months 2 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
Many mothers today work outside the home in addition to
raising children, and sometimes housework suffers as a result.
While you schedule your work, make sure that you make allowance for cleaning different parts of the house on different days.

www.elmanarh.com
7 months 2 days ago

4) One Cleaning Supply at a Time – Instead of cleaning one room top
to bottom then moving onto the next on cleaning day, pull out one cleaning supply and use it everywhere you need to in your
home. It is an extremely versatile product that is inexpensive and
helps cut back on the use of expensive chemicals.

Most of the companies that offer apartment cleaning services are
bonded and insured so that if any accident were to happen they will take full responsibility for the replacement.

Tiffiny
7 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.

Is there anything special that the cleaning service needs to know about.

الفجر لمكافحة الحشرات

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned. There is
no limit on what you earn – Once you have made a good base of clients, you will see that you can earn as much as you want.
There are a couple of excellent e-courses available that give
a lot of really valuable information on how to structure your business,where and how
to get clients, how to calculate prices, what equipment and supplies are needed etc,
and in my opinion are well worth the $30 or $40 they cost.

Franchesca
7 months 2 days ago

If you have the tendency to horde things, you will have to learn let go.
When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service to complete this.
These mops can be a bit pricey initially, but over time will add up to hundreds of dollars in savings on floor products, especially if you
have many types of flooring.

Emily living
6 months 9 days ago
Before you apply for credit card you should know where the credit score stands so they can build your score and better your chances for approval. Credit scores play an important role when it comes to our financial status. We all should maintain our credit scores. I am here by pointing some basic moves that you can make: 1. The initial step is to get your credit report and discover your genuine FICO rating and watch that the information hung on your report is exact. 2. Construct a decent financial record. In the event that you have no financial record… Read more »
Viola
6 months 4 days ago

If you have the tendency to horde things, you will have to learn let go.

There is no limit on what you earn – Once you have made a good
base of clients, you will see that you can earn as much
as you want. There are a couple of excellent e-courses available that give a
lot of really valuable information on how to structure your
business,where and how to get clients, how to calculate prices, what equipment and supplies
are needed etc, and in my opinion are well worth the $30 or $40 they cost.

Fallon
6 months 4 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.
This lets them know how they have done and it helps them to improve their cleaning.
You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

Brianna
6 months 4 days ago

Remember that people trust real address workplaces
more than online ventures because contact with the business is more real.
It is an extremely versatile product that is inexpensive and helps cut back on the use of expensive chemicals.
Of course, you don’t want to be doing something every minute of the day, so
take some time to relax too.

Stephany
6 months 4 days ago

You can choose your own timings and above all, you
can choose how much work you want to take up.
It is an extremely versatile product that is inexpensive and helps
cut back on the use of expensive chemicals. These mops can be a bit pricey initially,
but over time will add up to hundreds of dollars in savings
on floor products, especially if you have many types of flooring.

bioaeration.com
6 months 4 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.

Many mothers today work outside the home in addition to raising
children, and sometimes housework suffers as a result.
Of course, you don’t want to be doing something every
minute of the day, so take some time to relax too.

Cecil
6 months 4 days ago

Another must-have piece of equipment is a cell phone
to enable easy response to your customers. When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service to complete this.

Of course, you don’t want to be doing something every minute of the day, so
take some time to relax too.

i7ur.net
6 months 4 days ago

Actually, the problems that can be caused by traditional
chemical products can be enormous. Will you need the cleaning service to do a thorough cleaning for you.
You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

www.7arakaat.com
6 months 4 days ago

Remember that people trust real address workplaces more than online ventures because contact with the business is more real.

This lets them know how they have done and it helps them to improve their cleaning.

While you schedule your work, make sure that you make
allowance for cleaning different parts of the house on different
days.

Emma
6 months 4 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
Now that you have a set of questions to work with, its time to start contacting companies and get a few estimates.

Of course, you don’t want to be doing something every minute of the day,
so take some time to relax too.

www.tiovk.com
6 months 4 days ago

Remember that people trust real address workplaces
more than online ventures because contact with the business is more real.
There is no limit on what you earn – Once you have made a good base of clients, you will see
that you can earn as much as you want. These mops can be
a bit pricey initially, but over time will add up to hundreds of dollars
in savings on floor products, especially if
you have many types of flooring.

eaglespridervsales.org
6 months 4 days ago

4) One Cleaning Supply at a Time – Instead of cleaning one room top to bottom then moving onto the
next on cleaning day, pull out one cleaning supply and use it everywhere you need to in your home.
The places that are found in this lovely area are there for the convenience of the customers.
Is there anything special that the cleaning service needs to know about.

Gia
6 months 4 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
When apartments get the unit “make ready” for the next tenant,
they usually employ a cleaning service to complete this.
These mops can be a bit pricey initially, but over time will add up to hundreds of dollars in savings
on floor products, especially if you have many types
of flooring.

Www.el4web.com
6 months 4 days ago

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned. This lets them know
how they have done and it helps them to improve their cleaning.
There are a couple of excellent e-courses available
that give a lot of really valuable information on how to structure your business,where
and how to get clients, how to calculate prices, what equipment and
supplies are needed etc, and in my opinion are well worth the
$30 or $40 they cost.

Caroline
6 months 4 days ago

If you have the tendency to horde things, you will have to learn let go.
There is no limit on what you earn – Once you have made
a good base of clients, you will see that you can earn as much as you want.

These mops can be a bit pricey initially, but over time
will add up to hundreds of dollars in savings on floor products,
especially if you have many types of flooring.

Tania
6 months 4 days ago

If you have the tendency to horde things, you will have to learn let go.
It is an extremely versatile product that is inexpensive and helps cut
back on the use of expensive chemicals. There are a couple of excellent e-courses available that give a lot
of really valuable information on how to structure your business,where and how to get clients, how
to calculate prices, what equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40 they cost.

Penni
6 months 4 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.
Will you need the cleaning service to do a thorough cleaning for you.
These mops can be a bit pricey initially, but over time will
add up to hundreds of dollars in savings
on floor products, especially if you have many types of flooring.

Kristy
6 months 4 days ago

If you have the tendency to horde things, you will have to learn let go.
There is no limit on what you earn – Once you have made a good base of clients, you will see that you can earn as much as you want.

Is there anything special that the cleaning service needs to know about.

Mozelle
6 months 4 days ago

Actually, the problems that can be caused by traditional chemical products can be enormous.
Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.

These mops can be a bit pricey initially, but over time will add
up to hundreds of dollars in savings on floor products,
especially if you have many types of flooring.

Louis
6 months 4 days ago

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned. Finally, I think parents and grandparents need to
make it clear to students that keeping the apartment clean is
a personal health issue. These mops can be a bit pricey initially, but over time will
add up to hundreds of dollars in savings on floor products, especially if you have many types
of flooring.

www.nsmaa.net
6 months 4 days ago

These are the right size for most cleaning jobs, very absorbent,
lint free, and best of all reusable. The places that are found in this lovely area are there for
the convenience of the customers. Regardless of whether you have a 3 bedroom apartment home or a
studio, your place will get dirty.

Jeremiah
6 months 4 days ago

Another must-have piece of equipment is
a cell phone to enable easy response to your customers. You can also keep containers of
various colors and sizes in different rooms. Most of
the companies that offer apartment cleaning services are bonded and insured so that if any accident were to happen they will
take full responsibility for the replacement.

Abraham
6 months 4 days ago

Remember that people trust real address workplaces more than online ventures because contact with the business is more real.
Will you need the cleaning service to do a thorough cleaning
for you. Regardless of whether you have a 3 bedroom apartment home or a studio,
your place will get dirty.

www.tabukiat.com
6 months 4 days ago

These are the right size for most cleaning jobs, very absorbent, lint free, and best of all
reusable. Now that you have a set of questions to work with, its time to start contacting companies and get
a few estimates. These mops can be a bit pricey initially, but
over time will add up to hundreds of dollars in savings on floor products,
especially if you have many types of flooring.

Gabriela
6 months 4 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.

When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service
to complete this. Most of the companies that offer apartment cleaning services are bonded and insured so that if
any accident were to happen they will take full
responsibility for the replacement.

Carroll
6 months 4 days ago

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
Many mothers today work outside the home in addition to raising
children, and sometimes housework suffers as a result.
While you schedule your work, make sure that you make allowance for cleaning different parts of the
house on different days.

Mindy
6 months 4 days ago

Remember that people trust real address workplaces more
than online ventures because contact with the business is more
real. This lets them know how they have done and it helps them to improve their cleaning.
Regardless of whether you have a 3 bedroom apartment
home or a studio, your place will get dirty.

Harley
6 months 4 days ago

These same apartment cleaning services Los Angeles use 100%
biodegradable and green products. It is an extremely versatile product that is inexpensive
and helps cut back on the use of expensive chemicals.

These mops can be a bit pricey initially, but over
time will add up to hundreds of dollars in savings on floor products, especially
if you have many types of flooring.

Jared
6 months 4 days ago

You can choose your own timings and above all, you can choose how much work you want to take
up. It is an extremely versatile product that is inexpensive and helps cut back on the use
of expensive chemicals. Of course, you don’t want to be doing something every minute
of the day, so take some time to relax too.

Www.aa5R.com
6 months 4 days ago

4) One Cleaning Supply at a Time – Instead of cleaning one room top to bottom then moving onto the next
on cleaning day, pull out one cleaning supply and use it everywhere
you need to in your home. You can also keep containers of various
colors and sizes in different rooms. Most of the companies that
offer apartment cleaning services are bonded and insured so that if any accident were to happen they will take
full responsibility for the replacement.

Mellissa
6 months 4 days ago

Remember that people trust real address workplaces more than online ventures because contact
with the business is more real. Finally, I think parents and grandparents need to make it
clear to students that keeping the apartment clean is a personal health issue.
Is there anything special that the cleaning service needs to
know about.

Brittny
6 months 4 days ago

Before you start calling properties and getting estimates, you may need to find out what you need cleaned.
This lets them know how they have done and it helps them to improve their cleaning.
Most of the companies that offer apartment cleaning services are bonded and insured so that
if any accident were to happen they will take full responsibility for the replacement.

Leoma
6 months 4 days ago

You can choose your own timings and above all, you can choose how much work you want to take up.

There is no limit on what you earn – Once you have made a good base
of clients, you will see that you can earn as much as you want.
You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

Anibal
6 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.
Of course, you don’t want to be doing something every minute
of the day, so take some time to relax too.

Rachel
6 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
It is an extremely versatile product that is inexpensive
and helps cut back on the use of expensive chemicals. To begin with, you would need an office,
some people who will clean the apartments and also some cleaning equipments.

Genevieve
6 months 2 days ago
4) One Cleaning Supply at a Time – Instead of cleaning one room top to bottom then moving onto the next on cleaning day, pull out one cleaning supply and use it everywhere you need to in your home. The places that are found in this lovely area are there for the convenience of the customers. There are a couple of excellent e-courses available that give a lot of really valuable information on how to structure your business,where and how to get clients, how to calculate prices, what equipment and supplies are needed etc, and in my opinion are well… Read more »
Arnold
6 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable
and green products. It is an extremely versatile product that is inexpensive and
helps cut back on the use of expensive chemicals. Of course, you don’t want to
be doing something every minute of the day, so
take some time to relax too.

Darnell
6 months 2 days ago

4) One Cleaning Supply at a Time – Instead
of cleaning one room top to bottom then moving onto the next on cleaning day, pull out one cleaning supply and
use it everywhere you need to in your home.

This lets them know how they have done and it helps them to improve their cleaning.

You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

s7rup.com
6 months 2 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.
Finally, I think parents and grandparents need to make it clear to students
that keeping the apartment clean is a personal health
issue. Equipment should also be serviced on a weekly basis to make them more efficient.

Miriam
6 months 2 days ago

Actually, the problems that can be caused by traditional chemical products can be enormous.

Now that you have a set of questions to work with, its time to start contacting
companies and get a few estimates. These mops can be a bit pricey
initially, but over time will add up to hundreds
of dollars in savings on floor products, especially
if you have many types of flooring.

Bettina
6 months 2 days ago

If you have the tendency to horde things, you will have to learn let go.
This lets them know how they have done and it helps them to improve their cleaning.
Is there anything special that the cleaning service needs to know
about.

Myles
6 months 2 days ago

Actually, the problems that can be caused by traditional chemical products
can be enormous. Now that you have a set of questions to work
with, its time to start contacting companies and get a few estimates.

These mops can be a bit pricey initially, but over time will add
up to hundreds of dollars in savings on floor products,
especially if you have many types of flooring.

Jeana
6 months 2 days ago

Remember that people trust real address workplaces more than online ventures
because contact with the business is more real. Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.
Is there anything special that the cleaning service needs to know about.

Marla
6 months 2 days ago

These same apartment cleaning services Los Angeles
use 100% biodegradable and green products.

There is no limit on what you earn – Once you have made a good base of clients, you will see that you can earn as much as you want.
Regardless of whether you have a 3 bedroom apartment home or a studio,
your place will get dirty.

Elizabet
6 months 2 days ago

These same apartment cleaning services Los Angeles use
100% biodegradable and green products. Now that you have
a set of questions to work with, its time to start contacting companies and get a few estimates.
Equipment should also be serviced on a weekly basis to make them
more efficient.

missworkwedel.com
6 months 2 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.
Many mothers today work outside the home in addition to raising children, and sometimes housework suffers as a result.
Is there anything special that the cleaning service needs to know about.

Johnny
6 months 2 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service to complete this.

These mops can be a bit pricey initially, but over time will add up to hundreds of dollars in savings on floor products, especially if you have many types of flooring.

Jens
6 months 2 days ago

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned.
This lets them know how they have done and it helps them to improve their
cleaning. There are a couple of excellent e-courses available that give a lot of really valuable information on how to structure your business,where and how to get clients, how to calculate prices, what equipment and
supplies are needed etc, and in my opinion are well worth
the $30 or $40 they cost.

Kathie
6 months 1 day ago

Before you start calling properties and getting estimates, you may need to find out what you need cleaned.
The places that are found in this lovely area are there for the convenience of the customers.
Regardless of whether you have a 3 bedroom apartment home or
a studio, your place will get dirty.

Irwin
6 months 1 day ago

You can choose your own timings and above all, you can choose how much work you want to take up.
When apartments get the unit “make ready” for the
next tenant, they usually employ a cleaning service to complete this.
Regardless of whether you have a 3 bedroom apartment home or a studio, your
place will get dirty.

Gemma
6 months 1 day ago

Remember that people trust real address workplaces
more than online ventures because contact with the business is more real.

There is no limit on what you earn – Once you have made a good base
of clients, you will see that you can earn as much as
you want. While you schedule your work, make sure
that you make allowance for cleaning different parts of the house on different days.

Hildegarde
6 months 1 day ago

You can choose your own timings and above all, you can choose how much work you want to take up.

Many mothers today work outside the home in addition to raising children, and
sometimes housework suffers as a result. Of course, you don’t want to be doing something every minute of the day,
so take some time to relax too.

ارض بالتجمع الخامس

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
This lets them know how they have done and it helps
them to improve their cleaning. There are a couple of excellent e-courses available that give a lot of really valuable information on how to structure your business,where and how to get clients, how to
calculate prices, what equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40
they cost.

tabukiat.com
6 months 1 day ago

Actually, the problems that can be caused by traditional
chemical products can be enormous. You can also keep containers of various colors and sizes in different rooms.
Regardless of whether you have a 3 bedroom apartment home or a
studio, your place will get dirty.

ارض بالتجمع الخامس

Apply it to a soft cloth and use it to wipe down woodwork and furniture.
This lets them know how they have done and it helps them to improve their cleaning.

Equipment should also be serviced on a weekly basis to make them more efficient.

Jess
6 months 1 day ago

These are the right size for most cleaning jobs, very absorbent,
lint free, and best of all reusable. There is no limit on what you earn – Once you have made a good base
of clients, you will see that you can earn as much as you want.
You don’t want to be inhaling dust or preparing food on dirty, contaminated surfaces.

Elvin
6 months 1 day ago

Actually, the problems that can be caused by traditional chemical products can be enormous.
When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service to complete this.
While you schedule your work, make sure that you make allowance for cleaning different parts of the
house on different days.

Nichole
6 months 23 hours ago

If you have the tendency to horde things, you will have to learn let go.
Will you need the cleaning service to do a thorough cleaning for you.

These mops can be a bit pricey initially, but over time will add up to hundreds of dollars in savings on floor products, especially if you
have many types of flooring.

Ladonna
6 months 12 hours ago

Remember that people trust real address workplaces more than online ventures because contact
with the business is more real. It is an extremely versatile product that
is inexpensive and helps cut back on the use of expensive chemicals.
Equipment should also be serviced on a weekly basis to make them more efficient.

Celeste
5 months 20 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
The places that are found in this lovely area are there for the convenience of the customers.
To begin with, you would need an office, some people who will clean the apartments and also
some cleaning equipments.

Charley
5 months 19 days ago

These are the right size for most cleaning jobs,
very absorbent, lint free, and best of all reusable.
There is no limit on what you earn – Once you have made a good base of clients, you will see that you can earn as much as you want.
To begin with, you would need an office, some people who will clean the apartments and
also some cleaning equipments.

Jenni
5 months 19 days ago

Remember that people trust real address workplaces more than online ventures because contact with the business is
more real. The places that are found in this lovely area are there for the convenience of the customers.

Of course, you don’t want to be doing something every minute of the day,
so take some time to relax too.

Evelyne
5 months 19 days ago
4) One Cleaning Supply at a Time – Instead of cleaning one room top to bottom then moving onto the next on cleaning day, pull out one cleaning supply and use it everywhere you need to in your home. When apartments get the unit “make ready” for the next tenant, they usually employ a cleaning service to complete this. There are a couple of excellent e-courses available that give a lot of really valuable information on how to structure your business,where and how to get clients, how to calculate prices, what equipment and supplies are needed etc, and in my… Read more »
Shelli
5 months 19 days ago

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned. The places
that are found in this lovely area are there for the convenience of
the customers. Regardless of whether you have a 3 bedroom apartment home or a studio, your place will get dirty.

Romeo
5 months 19 days ago

Another must-have piece of equipment is a cell phone to enable easy response to your customers.
The places that are found in this lovely area are there for the
convenience of the customers. There are a couple of excellent e-courses available that give a lot
of really valuable information on how to structure your business,where and how to
get clients, how to calculate prices, what equipment
and supplies are needed etc, and in my opinion are well worth the $30
or $40 they cost.

Sunny
5 months 19 days ago

These same apartment cleaning services Los Angeles
use 100% biodegradable and green products. It is an extremely
versatile product that is inexpensive and helps cut back on the use of expensive
chemicals. These mops can be a bit pricey initially, but over time
will add up to hundreds of dollars in savings on floor
products, especially if you have many types of flooring.

ارض بالتجمع الخامس

Another must-have piece of equipment is a cell phone to enable easy response
to your customers. There is no limit on what you earn – Once you have made
a good base of clients, you will see that you can earn as much
as you want. To begin with, you would need an office, some people
who will clean the apartments and also some cleaning
equipments.

Alfred
5 months 19 days ago

These are the right size for most cleaning jobs,
very absorbent, lint free, and best of all reusable.
It is an extremely versatile product that is inexpensive
and helps cut back on the use of expensive chemicals.
To begin with, you would need an office, some people who will clean the apartments
and also some cleaning equipments.

brooqalain.com
5 months 19 days ago

If you have the tendency to horde things, you will have to learn let go.

Now that you have a set of questions to work with, its time to start contacting companies and
get a few estimates. Of course, you don’t want to be doing something every minute of the day,
so take some time to relax too.

www.fnuon.com
5 months 19 days ago

Before you start calling properties and getting estimates,
you may need to find out what you need cleaned. The places that
are found in this lovely area are there for the convenience of the customers.
These mops can be a bit pricey initially, but over time will add up to hundreds of dollars in savings on floor products,
especially if you have many types of flooring.

Charley
5 months 19 days ago

These same apartment cleaning services Los Angeles use 100% biodegradable and green products.
There is no limit on what you earn – Once you have made a good base of
clients, you will see that you can earn as much as you
want. While you schedule your work, make sure that you make allowance for cleaning different parts of the house on different days.

Leif
5 months 16 days ago

These are the right size for most cleaning jobs, very absorbent,
lint free, and best of all reusable. It is an extremely versatile product that is inexpensive and helps cut back on the use of expensive chemicals.
Most of the companies that offer apartment cleaning services are bonded and insured so that if any
accident were to happen they will take full responsibility for the replacement.

Alfredo
5 months 16 days ago

Apply it to a soft cloth and use it to wipe
down woodwork and furniture. This lets them know how they have done and it helps
them to improve their cleaning. There are a couple of excellent e-courses available that give a lot of
really valuable information on how to structure your business,where
and how to get clients, how to calculate prices, what
equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40 they
cost.

www.irqagri.com
5 months 16 days ago

Another must-have piece of equipment is a cell phone to
enable easy response to your customers. You can also keep containers of various colors
and sizes in different rooms. There are a couple of excellent
e-courses available that give a lot of really valuable information on how to structure your business,where and how
to get clients, how to calculate prices, what equipment and supplies are needed etc, and in my opinion are well worth the $30 or $40 they cost.

Lauren
Lauren
5 months 10 days ago
HOW I GET A LOAN HELP @ 2% INTEREST RATE I was not sure of getting a legit loan lender online But when i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find VICTORIA LAWSON Trust Loan Firm (marianlawson @ outlook.com) with 2% interest Rate and applied immediately… Read more »
Ryan
Ryan
4 months 17 days ago

Ramit,
I’ve been a follower ever since you were on Timmy Ferriss’s podcast and I’ve been using your advice to have small wins that lead to big wins for a while. Just used this script to increase my credit line by 5k. Thanks as always!

johnson
johnson
2 months 29 days ago

Hello,

this is how i improved my credit, i took a loan from a private loan lender who was willing to loan me money with 4% interest rate now i feel really happy because i invested wisely and my credit never remained the same am actually really proud i made that move

johnsonmagnus67@gmail.com i will be glad to point you to the right direction

Ray Ban Cats
2 months 26 days ago

Excellent blog here! Also your site loads up fast!What web host are you using? Can I get your affiliate link to your host? I wish my website loaded up as fast as yours lol
Ray Ban Cats http://www.ray-bansoutlet.com

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wiltord
1 month 24 days ago

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Chris
Chris
1 month 8 days ago
I had terrible credit, and I am now slowly rebuilding it. In the last 6-7 months, I received 3 credit cards, all Capital One, with one branded as GM partner. I started with a 300, 500, and 300 limit. I’ve been attempting to charge everything to my CC and them off before the months end. After doing that for 6 months or so, I received a boast on my first card (300 one) to 2,500. However, the card as no rewards at all. I am now stuck using the 500 and 300 one and paying it off 2-3 times a… Read more »
continetal loan
continetal loan
26 days 9 hours ago
continetal LOANS, offers a fast and easy approval process loan to help with your finances. We understand that from time to time people need a quick cash flow boost, to cover unexpected costs, and if you apply for your loan before 24 hours on business days you get it direct into your account, then in most cases the loan can be transferred the same day, Our low interest rates make us more affordable than other personal loan providers in our market. Our easy 100% online application process has delivered personal loans to over 700,000 people worldwide, and offers you a… Read more »
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