{"id":4026,"date":"2018-12-19T13:54:46","date_gmt":"2018-12-19T12:54:46","guid":{"rendered":"http:\/\/www.rkjh.se\/zh\/?p=4026"},"modified":"2022-01-26T16:33:08","modified_gmt":"2022-01-26T15:33:08","slug":"how-to-best-build-and-track-your-credit","status":"publish","type":"post","link":"https:\/\/rkjh.se\/zh\/blog\/2018\/12\/19\/how-to-best-build-and-track-your-credit\/","title":{"rendered":"How to best build-and track-your credit."},"content":{"rendered":"[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;3.22&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<h1 class=\"wp-block-image size-large\" style=\"text-align: center;\"><strong>How to best build and track your credit<\/strong><\/h1>\n<p><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<h2><strong>Review Your Credit Report Regularly\u2014and Keep an Eye on Your Credit Score<\/strong><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p>This woman learned the hard way that a less-than-stellar credit score has the potential to cost you thousands. She only checked her credit report, which seemed fine\u2014but didn\u2019t get her actual credit score, which told a different story.<\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rkjh.se\/zh\/wp-content\/uploads\/sites\/3\/2018\/12\/credit-card-gc9cbc0f63_1920.png&#8221; title_text=&#8221;credit-card-gc9cbc0f63_1920&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rkjh.se\/zh\/wp-content\/uploads\/sites\/3\/2018\/12\/house-gff02fbebb_1920.jpg&#8221; title_text=&#8221;house-gff02fbebb_1920&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<h2><strong>Keep Your Credit Use Below 30% of Your Total Available Credit<\/strong><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p>Otherwise known as your credit utilization rate, you calculate it by dividing the total amount on all of your credit cards by your total available credit. And if you\u2019re using more than 30% of your available credit, it can ding your credit score.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<h2><strong>If You Have Bad Credit, Get a Secured Credit Card<\/strong><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p>A secured card helps build credit like a regular card\u2014but it won\u2019t let you overspend. And you don\u2019t need good credit to get one! Here\u2019s everything you need to know about secured credit cards.<\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rkjh.se\/zh\/wp-content\/uploads\/sites\/3\/2018\/12\/credit-card-g9aa01569f_1920.jpg&#8221; title_text=&#8221;credit-card-g9aa01569f_1920&#8243; _builder_version=&#8221;4.14.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<!-- \/wp:post-content -->","protected":false},"excerpt":{"rendered":"<p>How to best build and track your credit Review Your Credit Report Regularly\u2014and Keep an Eye on Your Credit ScoreThis woman learned the hard way that a less-than-stellar credit score has the potential to cost you thousands. She only checked her credit report, which seemed fine\u2014but didn\u2019t get her actual credit score, which told a [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":107306,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"<p><br \/>Review Your Credit Report Regularly\u2014and Keep an Eye on Your Credit Score<\/p>\r\n<p>This woman learned the hard way that a less-than-stellar credit score has the potential to cost you thousands. She only checked her credit report, which seemed fine\u2014but didn\u2019t get her actual credit score, which told a different story.<\/p>\r\n<!-- wp:image {\"id\":9689,\"sizeSlug\":\"large\"} -->\r\n<figure class=\"wp-block-image size-large\"><img class=\"wp-image-9689\" src=\"https:\/\/rkjh.se\/zh\/wp-content\/uploads\/sites\/3\/2020\/06\/credit-score-ranges-600x450-1.png\" alt=\"\" \/><\/figure>\r\n<!-- \/wp:image -->","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[211],"tags":[321,373],"class_list":["post-4026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to-2","tag-financial-management-en","tag-how-to-en"],"acf":[],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to best build-and track-your credit. - Revisionskonsulterna J H\u00e4gglund ZH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rkjh.se\/zh\/blog\/2018\/12\/19\/how-to-best-build-and-track-your-credit\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to best build-and track-your credit. - Revisionskonsulterna J H\u00e4gglund ZH\" \/>\n<meta property=\"og:description\" content=\"How to best build and track your credit Review Your Credit Report Regularly\u2014and Keep an Eye on Your Credit ScoreThis woman learned the hard way that a less-than-stellar credit score has the potential to cost you thousands. 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