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Top 4 Advices to Improve your Credit Score

If you have fair or poor credit score, boosting is not an easy feat at all. Think of your credit score as a race car (or pbn set up?), where you instantly feel the results brought about by revving up the engine. A credit score is pretty much like your driving record too. Companies take into account your years of finances and not just your present-day spending habits.

In order for you to improve your credit score, you need to be consistent with wise money management. The smallest money decisions will help in moving your score up and in the right direction.

  1. Closely watch your credit card balances

One major factor in determining credit score is the amount of revolving credit you have versus the amount that you are actually using. By rule, the smaller the percentage is, the better it is for your credit rating. The optimum percentage is at 30% or lower.

To improve your score, pay your outstanding credit card balances and make sure to keep them low at all times. Make multiple payments throughout the month to make sure that your credit card balance remains low.

  1. Let old debts remain on your report

Make sure not to ask credit reporting companies to remove your old debts from their record. Once you have repaid them, this will automatically be deleted from your history after seven years. If you are applying for a loan, having old debt is not as bad since they will also learn about the fact that you have repaid them still.

  1. Pay your bills on time

One way to achieve financial freedom is by paying your financial obligations on time. If you are applying for a big loan such as in the case of mortgage or car loans, you want companies to see that you are consistent in paying your bills on time. Tardiness in paying bills can have a negative impact on your credit score too!

  1. Never risk your good credit standing

If you wish to be free from money-related problems in the future, always be consistent on paying companies what you owe them. The habits of applicants for loans are judged based on their consistency in making payments and the manner by which they make their payments too.

One big scare for credit card issuers is high-risk applicants. If you miss payments or suddenly make less payments to lenders,  or make payday advances with pawnshops or ongoing transactions with payday lenders you are more likely not getting approved of loans that are applying for.

My Top Three Beauty Products For Healthy Skin

Your skin provides the foundation for all of your makeup. If it is covered with blemishes or wrinkles, it will be practically impossible to look your best. Because of that, skincare should be one of your top priorities. Getting clear, healthy skin can help you look beautiful all the time. There are three beauty products that I rely on every day to keep my skin clear and healthy (forgot to mention Lifecell Anti Aging Cream).

The first product is witch hazel. This powerful natural product provides countless benefits to the skin ranging from healing acne or other small sores to getting rid of ingrown hairs, combating psoriasis or eczema, minimizing oil, and balancing the skin. I use it every night before bed to remove my makeup and refresh my skin. Since I have started using it, I have not had any problems with acne. (1)I also like to use a good moisturizer on my skin both during the day and at night. During the day, I use a lightweight moisturizer underneath my makeup. At night, I opt for something heavier that provides a tremendous amount of moisture. I have dry skin and find that moisturizing it well at night helps it stay fresh all day long.

Finally, good skin starts from the inside out. Because of that, my third favorite beauty product for healthy skin is a good multivitamin that provides your body with the nutrients it needs.