5 Tips for Raising Your Credit Score
Are you trying to buy a house or a car? You might want to check your credit first! If you check yours and find that you need to build it up a little bit before you head out to make your big purchase, there are some tips that will help you do so without too much discomfort.
Here are 5 tips for raising your credit score:
- Check for errors. If you see an error on your credit report, dispute it. Do not dispute things that are genuine (I know a lot of people recommend this, but this is unethical), but definitely dispute charges that are actually not valid.
- Pay down your credit card debt. When I first began my credit building journey I had no idea that utilization was as important as it is. It is though. Utilization makes up for 35% of your credit score. Aim to keep your credit usage below 30%, but preferably below 10%. You will be amazed by how much your score will jump with just a quick paydown of debt.
- Keep your student loans current. So many people don’t think twice about not paying their student loan bills (I know they are expensive and it is seemingly hopeless to try and pay, but DO NOT skip this, it will hurt your credit score, BAD.
- Pay your bills on time. I know this should go without saying, but always paying your bills on time will do wonders for your credit. If you have late payments in the past, don’t worry, all it takes is some patience. Once you get past the 12 month mark, it will improve and every year after that.
- Call and request late payments are waived. If you have a valid reason, some creditors will wave one or two late payments. They do not have to do this, so don’t expect it, but they might be willing to, which makes it worth a shot to try.
Kohl’s 30% Off! Earn Kohl’s Cash! Stack Codes! FREE Shipping! Mudd Women’s Buckle Thong Sandals – Just $10.49!
It’s one of my favorite times to shop – the time when Kohls.com has great coupon codes and sales! The deals are always so great! There are some really great deals like this one:
- Add the Mudd Women’s Buckle Thong Sandals to your cart for $14.99. (Reg. price $24.00)
- Add coupon code TRENDY30 and MVCFREE18 .
The total for this will be just $10.49!
Percent Off Codes:
Take an extra 30% off your purchase with your Kohl’s card – TRENDY30 – exp 8/12
Take an extra 15% off – SUNSHINE15 – exp 8/12
– Save by signing up for Kohl’s mobile sale alerts. Just text SAVE24 to 56457 and you’ll score a unique discount code valid for 15% off your online purchase.
– Register for the Kohl’s email newsletter and you’ll get 15% off your next purchase, plus daily Kohl’s coupons and promos emailed to you every single day.
Will Stack With:
Take an additional $10 off $50 purchase of Back to School. Select styles – BTS10 – exp 8/19
Take an additional $10 off $50 purchase of Mens Basics. Select styles – AUGBASICS10 – exp 8/15
Take an additional $10 off $40 purchase of Intimates. Select styles – INTIMATES10 – exp 8/15
Free shipping with your Kohl’s Card – MVCFREE18 – exp 8/12
or
Free Shipping on $75. No code required.
or
BUY ONLINE. FREE STORE PICKUP. MOST ORDERS READY IN 2 HOURS.
Earn $10 in Kohl’s Cash for every $50 you spend from 7/13-7/22. (Redeem 7/23-7/29.)
Redeem your previously earned Kohl’s Cash 7/13-7/18.
Annie’s Organic Bunny Fruit Snacks, Variety Pack, 24 Pouches – Just $10.68!
Love Annie’s snacks? This deal is for you. These snacks are a favorite of just about everyone I know – the adults and kids! They are so very yummy and I think they are a bit healthier than most other boxed snacks. Clip the $2.00 off coupon to get this deal!
Get on over to Amazon and get Annie’s Organic Bunny Fruit Snacks, Variety Pack, 24 Pouches – Just $10.68!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Bella Electric Spiralizer – Just $25.99!
Summer has our cravings for veggies at a high! I love the idea of veggie noodles and more so I really need to get a spiralizer! A great deal on a spiralizer is a must! I think this electric model would work so quickly and nicely!
Head on over to Best Buy and get Bella Electric Spiralizer for just $25.99!
Want to save on shipping? Be sure to select free in store pick up! Or if your order totals $35 or more you’ll get free shipping!
Mainstays 40″ Fold-in-Half Table – Just $19.00!
Need an extra table or two? These tables are just do very handy! I have a couple of them and I love them. People are always asking where I got them. How about snagging this deal?
Get on over to WalMart and get the Mainstays 40″ Fold-in-Half Table for just $19.00!
Select FREE in store pick up or if your order totals $35 or more you’ll get free 2-day shipping!
Today only: Up to 80% off top books from Kindle Daily Deals!
Need some new books to read for the summer? How about something from one of these highly rated daily deals on Kindle? I love getting books on Kindle – they take up so little room that way! There are some great ones here! Check out these GREAT prices!
Check out Amazon’s DEAL OF THE DAY – Up to 80% off top books from Kindle Daily Deals!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
PlayMonster Stratego Original – Just $16.49!
Today only, save big on a great game! It is perfect for the whole family. I love fun strategy games like this – such a good party game. Fun for the kids without screens! Check out this GREAT price!
Check out Amazon’s DEAL OF THE DAY – Save on PlayMonster Stratego Original! Priced at just $16.49!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Amazon Fire TV with Alexa Voice Remote – Certified Refurbished – Just $39.99!
Want to make your TV watching just a bit more fun? How about this deal? Enjoy smart access to videos, games and apps with this Amazon Fire TV. Its Alexa voice remote lets you deliver hands-free commands when you want to watch television or engage with other applications. Certified Refurbished is a great way to get one of these! Grab one today before it is gone!
Get on over to Amazon and get a great deal on the Amazon Fire TV with Alexa Voice Remote – Certified Refurbished! Priced at just $39.99!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Killer Bunnies and the Quest for the Magic Carrot; Blue Starter Deck – Just $17.99!
Today only, save big on a great game! It is perfect for the whole family. I love fun games like this – such a good party game. Check out this GREAT price!
Check out Amazon’s DEAL OF THE DAY – Save on Killer Bunnies and the Quest for the Magic Carrot; Blue Starter Deck! Priced at just $17.99!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Save on JumpSport SkyBounce Trampolines!
Do you need to get outside and have some fun with the kids? How about a new trampoline? There are some really great choices in the sale today! Check out these GREAT prices!
Check out Amazon’s DEAL OF THE DAY – Today only, Save on JumpSport SkyBounce Trampolines! Priced from just $257.40!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Don’t Miss It! Win a FREE vacation package to Southern California!! PLUS Everyone Gets a $50 Off Promo Code!
Did you see this announcement? Don’t miss this AWESOME FREE SOUTHERN CALIFORNIA VACATION!!!
Summer break is coming to an end and the back to school hustle and bustle is just beginning. That’s enough to give anyone a case of the end of summer blues. That is just no fun at all! What’s the best way to cure this? How about a FREE SOUTHERN CALIFORNIA VACATION?!?! That’s right – I’ve decided to give one of my lucky followers a FREE VACATION PACKAGE to help keep things fun!
This vacation package will include a 3-night hotel stay and 2 adult and 2 child 1-day tickets to 2 of your favorite attractions in SoCal! Some attraction ideas include: Disneyland, Universal Studios, Sea World, Knotts Berry Farm and LEGOLAND! There are so many fun things you can do with your family! Take a long weekend or enjoy a school break – you can’t beat FREE and FUN!
GIVEAWAY RULES:
- Make sure you’re following @nicgado and @getawaytoday on Instagram. (I have lots of really great giveaways planned there on the @nicgado Instagram. You’ll be glad you followed it!)
- Like this photo on Instagram.
- Tag 3 friends and comment on this photo telling me which attractions you would visit if you won.
That’s it! The winner will be chosen on August 9, 2018. I’ll be choosing a random qualifying comment using a randomizer tool. I’ll tag the winner and that person will be required to DM me their info within 3 days. If I don’t hear back within 3 days, I will choose another winner. GOOD LUCK!!!
BUT WAIT… THERE IS MORE!
Get Away Today has agreed to offer $50 off any Southern California vacation package with a minimum of 2-night hotel stay and 2 adult tickets! YOU WON’T FIND A DEAL LIKE THIS ANYWHERE ELSE!! Go to www.getawaytoday.com/nicgado or call 855-GET-AWAY and mention promo code NICGADO when booking. This promotion is valid until 8/9/18 and good for travel through 2019, and can also be used in conjunction with any of their layaway plans!
I’ve been working with Get Away Today for many years now, and I can say hands down that they have the best deals on vacation getaways!
Official legal stuff: No purchase necessary. There is no age limit to win. The winner must be located in the United States. This giveaway is in no way sponsored, endorsed or administered by, or associated with, Instagram.
NOTE: If you win and have also booked a vacation package using the coupon, you can choose to be refunded!
And of course – here are the details on the $50 coupon from Get Away Today:
– Good for $50 off any Southern California vacation package with a minimum of 2-night hotel stay and 2 adult tickets.
– Valid on any of their SoCal destinations; Disneyland, San Diego, Universal, Legoland, etc.
– Can be used in conjunction with their layaway plans, which require only $125 down and full payment only 15 days before travel.
– The promo code can be redeemed online or by calling 855-GET-AWAY and mentioning the code.
– Valid for bookings made from 8/2/18 to 8/9/18 for travel through 2019.
Kohl’s 30% Off! Earn Kohl’s Cash! Stack Codes! FREE Shipping! Prodigy Galaxy 3-Piece Wheeled Luggage Set – Just $55.99! Plus get $10 Kohl’s Cash!
It’s one of my favorite times to shop – the time when Kohls.com has great coupon codes and sales! The deals are always so great! There are some really great deals like this one:
- Add the Prodigy Galaxy 3-Piece Wheeled Luggage Set to your cart for $79.99. (Reg. price $199.99)
- Add coupon code TRENDY30 and MVCFREE18 .
The total for this will be just $55.99! Plus earn $10 in Kohl’s Cash!
Percent Off Codes:
Take an extra 30% off your purchase with your Kohl’s card – TRENDY30 – exp 8/12
Take an extra 15% off – SUNSHINE15 – exp 8/12
– Save by signing up for Kohl’s mobile sale alerts. Just text SAVE24 to 56457 and you’ll score a unique discount code valid for 15% off your online purchase.
– Register for the Kohl’s email newsletter and you’ll get 15% off your next purchase, plus daily Kohl’s coupons and promos emailed to you every single day.
Will Stack With:
Take an additional $10 off $50 purchase of Back to School. Select styles – BTS10 – exp 8/19
Take an additional $10 off $50 purchase of Mens Basics. Select styles – AUGBASICS10 – exp 8/15
Take an additional $10 off $40 purchase of Intimates. Select styles – INTIMATES10 – exp 8/15
Free shipping with your Kohl’s Card – MVCFREE18 – exp 8/12
or
Free Shipping on $75. No code required.
or
BUY ONLINE. FREE STORE PICKUP. MOST ORDERS READY IN 2 HOURS.
Earn $10 in Kohl’s Cash for every $50 you spend from 8/3-8/12. (Redeem 8/13-8/19.)
Watch Ya Mouth Throwdown Edition Card Game – Just $9.99!
Today only, save big on a great game! It is perfect for the whole family. I love fun games. Check out this GREAT price!
Check out Amazon’s DEAL OF THE DAY – Save on the Watch Ya Mouth Throwdown Edition Card Game! Priced at just $9.99!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Vacuum Storage Bags Space Saver – 12 Pack Bundle – Just $22.49!
Today only, save big on a great item to keep your closets organized! It is perfect for travel too. I love space bags for storing off season linens and clothing. Check out this GREAT price!
Check out Amazon’s DEAL OF THE DAY – Save on the Vacuum Storage Bags Space Saver – 12 Pack Bundle! Priced at just $22.49!
This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.
Awesome Freebie! Get FREE Cascade ActionPacs Dishwasher Detergent from TopCashBack!
I love freebies like this. Have you seen this really great freebie? If you’re not a TopCashback member yet, you’ll definitely want to take advantage of this offer! Through August 6th, new TopCashback members can get FREE Cascade ActionPacs Dishwasher Detergent!
Here’s how to snag this offer:
Step 1:
Click Here to Get Started. Join TopCashback and signup for a FREE account if you haven’t already.
- Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
Step 2:
Once you’ve successfully signed up, you’ll be redirected to the FREE Cascade ActionPacs Dishwasher Detergent offer page. Click ‘Get Offer Now’.
- If additional items are purchased at the same time, the cashback amount awarded will still be $10.00.
- Do not close the window, open any new tabs, or use additional coupons while checking out.
Step 3:
Pay $9.79 or more through the offer link. That’s it! The $10.00 will post to your TopCashback account within 14 days, and the amount will become payable within 14 days. Cash back can be credited straight to your checking or PayPal account.
- Note: Transactions must contain at least $9.79 worth of purchases to ensure the $10.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $10.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PT on 8/6/2018 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.