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How-To: Boost Your Credit Score
Houses are the cheapest they've been in years, and first-time
homebuyers can claim an $8,000 credit if they become owners before December. The time might be right for you to dip a toe into the housing market, but your credit score needs to be in tip-top shape to land a loan. Follow my tips for improving your score to get the best possible interest rates.
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moonlight spice1 Comment Post a Comment
Credit issuers report to credit bureaus on different days of the month, and the credit bureaus run their calculations on different days, so definitely scores seen on moment can be different the next, even though you haven't spent a dime on your plastic.
So AT&T will run your credit to see if you're a worthy customer. Their policy is that they don't report you to a credit bureau, for being on time or late, until you've missed payment for 3 consecutive months, and at that point the bill is given to a collections agency who will also report you (I had this discussion with them a couple days ago when my card that was being used for auto-payments expired).
At least with a credit card, you get kudos points for making payments on time.
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