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Posted by Ashleigh on 22nd Mar 2012

Make sure that your iderct card never goes over 75% used (1,000 limit ..$750 max) The iderct bureaus start penalizing you for any type of revolving iderct that maintains a balance of 75% or better. The best way to build your iderct up fast is to use your iderct car for something small, and then pay it off as soon as you get your bill. Do that for 6 months and there will be a huge improvement in your iderct score. Also everytime you apply for iderct it lowers your beacon score by approximately 7 points, so don't be a iderct seeker. Freequent job changes and address changes also negatively impact your iderct score. Hope this helps