How To Ruin Your Credit History In The Philippines

Got a bad rate on your personal loans or not getting approved for that new credit card? It has something to do with your credit history. It is the single biggest factor that affects the likelihood of you getting approved for loans or credit cards and it also affects the interest rates you get on the money you borrow. You’ll get the most favorable rates if you have a good credit history but worse if you got a bad one.  

They have formed the Credit Information Corporation last June 2015 to carry out the republic act on credit monitoring. This entity is getting credit data from financial institutions in our country to build national credit history database.

Your credit history is important because this is what financial institutions used to decide if your credit card, postpaid broadband plan or personal loan applications will be approve. There are inevitably times when you can’t help ruin it and impact your credit score. Here are some of those ways:

  1. Run up a large balance on credit card. You can hurt your credit history by leaving a large amount in your credit card balance. If you are not mature enough to handle and manage your credit card, get a pair of scissor and literally cut it! Using your credit card for shopping spree or unmindful usage is like digging your own grave. If you are not mindful enough, your financial status will suffer and your credit history. 
  2. Open several accounts at once. Within a short period make credit and load applications to financial institutions to drop your credit score. Managing lots of credit at once are fine as long as you are responsible enough. But as much as possible keep your applications at a slower pace. Wait until three months before applying for a new loan or credit card. This is the ideal span of time.
  3.  Pay inconsistently.  Paying inconsistently will not contribute to a good credit history. This practice is one way to ruin your credit history. To show you are responsible in settling payments at a financial institution, you need to have a good pace on paying your debt. Missed payments on some accounts are not as harmful to your score compared to missing payments to all your accounts. Lenders look your 6 to 12-month course of payment history. 

If you have these habits, stop it now before it’s too late. Develop a new good financial habits to get rid of the bad once.

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