Part 2: How to Have an Excellent Credit Score (24 Expert Tips)

Let’s start with a quick story, one that for many years I couldn’t reveal because it was embarrassing. Sometimes, the hardest thing to do in life is to admit something that you’re ashamed of. You’d rather block it out and pretend it never happened, right? My credit score was around 540, back in 2005. That was just one year after I created Golden Financial Services. I was 25-years old at the time, finally just starting to mature. Who’d think, the CEO of Golden Financial Services, where we help folks with their finances and getting out of debt – had a lower credit rating than most of his clients. Fifteen years ago, my credit sucked! Excuse my French, but that’s an honest and straightforward assessment of it. My credit report was flawed with collection accounts, late marks, a reckless number of inquiries from over-applying for credit, unpaid medical bills, and even a car repossession. When I moved from Florida to California, I didn’t properly close all of my Florida utility accounts before moving, like my cable and electric – and Bam! A few more collections landed on my credit report. Trust me, I’m not bragging, this is not exactly an accomplishment that I want to talk about, but it’s relevant to my story and important that I share it – the good news is, there’s a happy ending. I hope this story inspires you and hundreds of others who read it. Maybe you have bad credit right now and want to give up on trying to improve it. I’ll tell you how I accomplished the impossible and quickly established a high credit score. You are about to learn how I went from having the worst possible credit score, close to 540 at best, to now having one of the highest credit scores I’ve ever seen (at 828 today), according to my last credit alert from Credit Karma. No collections. No late marks. Over a quarter of a million in available credit. read more ...https://goldenfs.org/excellent-credit-score/