Wednesday, March 21, 2007
WFMW (send credit score soaring)
It's time to post yet another WFMW tip.

Not long ago, I read an article in Air Force Times entitled "Make Good Credit Even Better~ 10 strategies to send your scores soaring."

I don't know about you, but my credit score has room for improvement, so I cut the article out to post up at home as a reminder. I scanned this article into an Adobe file. If you'd like a copy of the complete article, leave me a comment including your email address and I'll send it to you!

For now, I'll share three of the strategies mentioned in the article.

1) Pay your debts early, not just on time. If you pay your credit cards, installment loans, and mortgage loans as much as three weeks early for a few months' time, your scores will rise.

2) Pay more than the minimum amounts. If you can, regularly pay at least $25 a month over the minimum required payment amount.

3) Use every credit card you own once every five months, even if it's only for gas, groceries, or clothing. This moves the "date of last activity" up in time, improving your scores. It also will prevent credit card companies from closing your accounts for lack of use. The message "closed by credit grantor" is not good for your credit.

Working to make my credit scores even higher works for me! To see what works for others, be sure to check out the other links at Shannon's, the creator of Works-For-Me Wednesday!

My past WFMW entries:

foolproof extra creamy cottage cheese
stainless steel ball whisk
Uses for your child's wagon
10 Reasons Why Parents Should Not Spank
Love Sweet Love
travel tip
free children's printables
calendar labels
Strawberry Spinach Salad
mesh laundry bag uses
12 lbs 'til Christmas
toddler healthy eating techniques
reindeer puppet
Grocery Game website
No Fear Shakespeare
list of age appropriate children's chores
linking within comments
baptism gift
creating blogger categories
alternate use for pot rack
cake decorating tips
unique way to stay connected
cake baking tip
comforts of home while traveling
quenching the thirst of your little one
pie crust made in bulk
hot chocolate kicked up a notch


5:57 AM

At 9:15 PM, Blogger Nikki said...

Good tips. A great credit score is always a good thing!

At 9:33 PM, Blogger Lori said...

Thanks for sharing these tips! I can use all the help I can find on improving our scores.

At 9:33 PM, Blogger sara - The Estrogen Files said...

Good credit is sometimes more work than just being good, you know? We learned that the hard way. This is an excellent tip and after lots of hard work, we are to a point where it's do-able.


My tip is on brushing out hair on daughters without the scream of a banshee errupting.

At 9:45 PM, Anonymous laughing mommy said...

Good tips. Thanks!

Good credit is like good grades, yes? You keep trying for better and better... hahaha!

At 9:55 PM, Blogger Mrs.B. said...

Thanks for the tips! This is very good and useful info to know. (o:

At 10:14 PM, Blogger Emily said...

Thanks for the tips - the third one is new to me. I'd love a copy of the whole article. My address is


At 10:41 PM, Anonymous Rae said...

Thanks SO much for this! I'm passing it on to my fiance. It's always nice to have a credit score improvement. Great idea!

I realize in my last comment to you my profile didn't leave a link to my page, so sorry about that! I just figured out a way to sign comments differently (using the "other" option) so it works now! I hope you have a great Wednesday! =)

At 11:32 PM, Blogger Jill said...

I am with you, in that my credit score has room for improvement! I would actually love to see it soar! I would love it if you could email me the entire article, whenever you get a spare moment. Thanks!

At 4:24 AM, Blogger annie said...

Great tip! I just paid off all my credit cards recently and am enjoying that, but I never thought about using them every once in a while. thanks.

At 5:36 AM, Blogger Jan B said...

What fabulous tips! Credit scores are so important. I was ordering direct tv to bundle in with my phone bill and I had to either pass their credit check or give them a $200 deposit. Whew, I passed. With your tips maybe I will fly next time rather than just passing.

At 6:15 AM, Blogger Aunt Murry said...

I would love the entire article. Please send it to


At 6:48 AM, Anonymous Lisa said...

What a great find. Thanks for giving us a sneak peak. I'd love to see the article as well (likesunATsunshinecentralDOTorg)

At 7:39 AM, Blogger Kathleen Marie said...

What also helped us was paying off our credit cards and closing the accounts. One thing that hurts your credit score is how much you can charge, so if you have a card with a $2000 limit but only have $200 charged the other $1800 goes against your score. Crazy but very true. My hubbies score rose by 100 points when he paid off and closed his cards and mine rose by a little over 50 points. These are things credit card companies do not want you to know.

Thanks and Hugs!

At 8:05 AM, Blogger Posh Mama said...

I would love to see the whole article! Thats awesome information and definitely helpful!

At 10:42 AM, Blogger Tammy and Parker said...

I was going to let you know that if are still looking at a homebased business email me I ha a soapmaking one and tons of craft shows!

At 2:20 PM, Blogger devildogwife said...

Great tips! We have good credit, but I'm always wanting it to be better. lol!

At 2:27 PM, Blogger Michelle said...

I think I'll ask Joe to bring home that copy from work!

At 4:36 PM, Blogger Darlene said...

You have a lot of great ideas. I like the way that you link your older posts as well.

At 10:41 PM, Anonymous laura said...

Thanks! Could I get a copy of the ways to improve credit AND of reasons not to spank?


At 9:51 AM, Blogger Michele said...

I've read tons of articles on what goes into your credit score, but never an article on how to improve it. I'd love a copy of the entire piece. Please send it to

At 1:44 PM, Blogger Carey said...

Wow, i never really thought about number 3. it makes sense. can you send me the rest of the article? thanks.

At 3:37 PM, Anonymous Rose said...

Great tips on improving credit. Please send the article to me Thanks bunches!


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Stressful moments in fostering.
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Referral to the Early Intervention Program
Baby Bug update
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Hospice Care
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Favorite Ingredients Friday (Tropical Fruit Salad)...
Changing our spending habits.
WFMW (foolproof creamy cottage cheese)
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I have a confession to make.
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WFMW: The Kitchen Edition

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