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Priority #1: Pay down the highest interest rate accounts first. Im sure you would rather be paying down a debt than applying money to interest each month. Start with the accounts that have the highest interest rates and tackle them first.

Keep revolving account balances at no more than 50% of the total credit limit. In this economy thats easier free credit report credit card Iowa said that done but doing so will produce a better credit score. Regardless, pay off the highest interest rates first. best free credit report site Then tackle the rest of your debt accordingly. Priority #2: Dont add any more debt. Probably the most important part of the plan to raise your credit scores.

Old habits die hard, emergencies pop up that swallow money that otherwise would go free credit report credit card Iowa towards reducing your debt.

Credit cards that should be used sparingly can quickly add up. law free credit report Priority #3 Negotiate better terms with your credit cards Youll never know unless you ask. Often times credit card companies will reduce your interest rates if you ask. I recently received some convenience checks in the mail from one of my credit cards companies offering a lifetime rate of 3.99%. I quickly called and asked if I could simply have my current balance lowered and they obliged. Priority #4 Pay extra on secured debts Secured debts are things like your home, car, boat or other assets that secure your loan. how to get free credit reports online

Credit cards are not secured and therefore not tied to any particular asset.

Secured debts are usually for large amounts and as a result take longer to pay for.