{"id":300,"date":"2019-09-11T19:22:59","date_gmt":"2019-09-11T19:22:59","guid":{"rendered":"http:\/\/13.56.60.212\/?p=300"},"modified":"2023-12-20T17:41:52","modified_gmt":"2023-12-20T23:41:52","slug":"5-tips-to-improve-your-credit-score-when-consolidating-debt","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/5-tips-to-improve-your-credit-score-when-consolidating-debt\/","title":{"rendered":"5 Tips to Improve Your Credit Score When Consolidating Debt"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Updated July 2020<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are considering <a href=\"https:\/\/www.accrediteddebtrelief.com\/debt-consolidation\/\">debt consolidation<\/a> or have already begun the process you might be concerned about what it could do to your credit score. It is common for credit scores to decline after consolidation, at least in the beginning. Fortunately, the effects are usually temporary and repairing your score is easier than you might think.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have paid down your debts, reduced your spending and <a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/start-budgeting-with-our-free-worksheet\/\">made a reliable budget<\/a>, you can adopt good habits that will help you repair your credit.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">As you go through the debt consolidation process, you may be tempted to watch your score and panic when you see it rise and fall. While you won\u2019t be able to avoid some of these ups and downs, you can help&nbsp; yourself avoid some of the frustration and credit woes that accompany the process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Following these tips can help you maintain or improve your credit score during consolidation. They will also put you on the right path to credit health so that your score can trend upwards in the months following your consolidation.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick Summary<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don\u2019t close old accounts<\/li>\n\n\n\n<li>Monitor credit usage and keep your usage under 35%<\/li>\n\n\n\n<li>Don\u2019t apply for more credit<\/li>\n\n\n\n<li>Check your credit report each month<\/li>\n\n\n\n<li>Pay on time and wait it out<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read on for an in depth description of each tip.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Don&#8217;t Close Old Accounts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After paying off some of your debt, you might think it\u2019s best to close accounts that have a zero balance. You\u2019ve <a href=\"http:\/\/13.56.60.212\/debt-free-financial-tips\/\">finally gotten rid of that debt<\/a>, so why would you want to keep the account around?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Surprisingly, closing your old credit cards could cause your credit score to fall. This happens because the length of your credit history is important to your score. A longer credit history indicates to lenders you have experience borrowing and repaying debt.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s usually better to keep your accounts open, even if you\u2019re not using them. In order to maintain your credit score when consolidating debt, keep open accounts with a zero balance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Exceptions to this rule<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The exception to this tip is if you\u2019ve consolidated credit cards that have an annual fee or if you are unable to curb your spending. Credit cards that charge an annual fee will almost always still charge you the fee regardless of if you\u2019ve used the card or not. The positive effects <\/em><em>on your<\/em><em> credit score may not make up for the money you\u2019re losing in fees.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Bonus tip to help your credit mix<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>If you feel you can keep your spending under control you may want to choose one account with a reasonable interest rate that you can use for daily expenses. Use the card for groceries or utility bills and be sure to pay down the balance at the end of every month. This works well if you have opted for a debt consolidation loan rather than transferring balances to another credit card. Showing the credit bureaus that you can regularly pay both your loan and your credit card will help demonstrate that you are responsibly using different types of credit.&nbsp;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Monitor Your Credit and Keep Your Usage Under 30%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit utilization is the amount of credit you\u2019re currently using versus the amount of your credit limit. The closer you get to maxing out your available credit, the riskier you look to lenders. Having more available credit generally shows that you\u2019re responsible with your credit usage and spending habits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit usage makes up 30% of credit score. It\u2019s generally recommended that you use no more than 30% of your credit limit across accounts. Keeping your balances below that rate can&nbsp; help your score improve in as little as 30 days.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Don&#8217;t Apply For More Credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Applying for new loans, credit cards, and other credit accounts all at once could quickly drop your score. When you apply for a new account, lenders will make what\u2019s known as a hard inquiry on your report. This inquiry can drop your score temporarily. Generally, a hard inquiry disappears from your&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">report after about 24 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since hard inquiries expire, applying for one account may not have a huge effect on your score but applying for multiple credit accounts at once can have a big impact.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you are consolidating your debt, it\u2019s best to avoid applying for any new credit. If you absolutely must apply for credit, make sure you look into your chances of approval before actually applying.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Check Your Credit Report Each Month<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can regularly check your report using a reporting service. If you notice a strange account or application on your report, you can take measures to report fraud. It\u2019s usually much easier to stop fraud by catching it early than it is to repair your credit after extensive fraudulent activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checking your score may also help improve your credit score when consolidating debt by allowing you to make changes in the way you\u2019re managing debt. You should compare your score with past scores to see if it is moving up or down. If it\u2019s improving, you know you\u2019re on the right track and should keep doing what you\u2019re doing. If you see it decreasing, it may be time to make changes to your credit and debt habits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Pay On Time and Wait it Out<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit scores usually take several months to years to see a significant improvement. Being patient is an important part of building a good credit score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you try to improve your credit score, focus on making your consolidated monthly payment on time. These payments will help your credit score and get you closer to paying off your debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get Help Consolidating Your Debt <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re considering consolidating your debts with a debt consolidation service, you can reach out to a Consolidation Specialist with your questions. The Accredited Debt Relief team is here to help answer those questions and help you find the right plan for your debt.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Benefits of Debt Consolidation<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Discussing your situation with a Consolidation Specialist<\/li>\n\n\n\n<li>No need for collateral<\/li>\n\n\n\n<li>One fixed monthly payment<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/free-quote\/\">Get a free consultation<\/a> today to learn more.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/free-quote\/\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"200\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2020\/12\/BlogCTA_Footer_NCv2.png\" alt=\"Accredited Debt Relief - Get a Free Consultation\" class=\"wp-image-1516\" srcset=\"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2020\/12\/BlogCTA_Footer_NCv2.png 606w, https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2020\/12\/BlogCTA_Footer_NCv2-300x99.png 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Updated July 2020 If you are considering debt consolidation or have already begun the process you might be concerned about what it could do to your credit score. It is common for credit scores to decline after consolidation, at least in the beginning. Fortunately, the effects are usually temporary and repairing your score is easier [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[48],"tags":[],"class_list":["post-300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt"],"accredited":{"author":{"name":"Anna Caldwell","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/acaldwell\/"},"categories":[{"name":"Debt","slug":"debt","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/debt\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2019\/09\/bigstock-124408637-1024x556.jpg"},"acf":{"edited_by":"","reviewed_by":"","fact_checked_by":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Tips to Improve Your Credit Score When Consolidating Debt - Top Dollar<\/title>\n<meta name=\"description\" content=\"Planning to consolidate your debt? 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