Ready to catch a trophy bass? If so, then you can build your credit too. Not that different really, just follow these 5 steps and get ready to land the lunker. Here’s the best way to build credit fast.
It seems like a catch 22 – how are you going to catch a huge lunker bass, without a shiny new bass boat with a 150 hp outboard motor hanging off the back, fish finder, and electric motor off the front? You work up to it. And guess what – boats help but you don’t need an expensive boat either. Building your credit works much the same way – catch 22 – you need good credit to get credit, so how do you get it in the first place? Get ready to build your skills, be patient, and the trophy will come in time.
Step 1: Fish With A Partner To Share Skills & A Boat
Fishing with a good friend or partner has lots of benefits. Of course, it’s way more fun than fishing by yourself. Not to mention you can try twice as many different lures till you figure out what they are taking. Share skills to improve
your catch rate. And sharing the cost of a boat, or just the use of your boat or theirs just makes for a better outing – everybody wins.
If you are starting out building your credit, or rebuilding your credit and finding it hard to get approved, then here’s how to build credit for you. Start off by co-signing for credit with someone who already has strong credit. Could be a parent, spouse, or partner. Of course, this entails a lot of trust on both your parts. This can be done in two ways: by co-signing on a loan, or by becoming an authorized user on someone else’s credit card or credit line. Doing so will help take a big step towards how to start building credit, and eventually a more independent credit rating for yourself.
Step 2: Start With The Right Tackle & Lures
Finding and hooking trophy bass is only half the battle – you need to land it too. Bass fishermen use specially designed gear, including stiff carbon fiber or graphite rods, highly machined bait casting style
or open face spinning reels, strong line and realistic lures and rubber worms.
Start off with the right “tackle” to build your credit – here’s how to build credit fast. Check outsome of the best starter credit cards, secured credit cards, store credit cards, or credit
builder loans. Once you start showing a track record of using but also paying off these cards, you’ve just set the hook to start reeling in your trophy credit rating.
Step 3: Fish Constantly To Refine What Works
Do you know how to use all of these techniques, and under what conditions? Top water retrievals, pitching, flipping, crank baits, spinner baits, jerk baits, and drop-shotting. If not, get on it! Lots to learn about how to catch monster bass.
Similarly, do you know what payments are most likely to be counted towards your credit score, and which aren’t? Almost always, credit cards, store credit cards, and
installment loans (such as auto loans, mortgages, and student loans) are reported to credit bureaus. Those that usually aren’t (but sometimes are) include debit cards, utility and phone bills, and rent payments.
Making all your payments is important, but be sure to know what counts and when they are due. If you are looking for ways to build credit, and how to get credit in the first place, be sure to focus on what counts. Just like choosing the best lure and retrieval technique when bass fishing.
Step 4: Keep After It – Even When The Big One Is Elusive
Bassmaster.com quotes veteran pro Denny Brauer: “In our business, you won’t last long if you quit and go home. You survive by finding a way to make a few fish bite.” We couldn’t have said it better ourselves. Also, think in terms of landing a lot of average 1-2
pound bass, while you are pursuing the scarce 10+ pound lunker trophies. The more you focus on the basics, catching lots of average sized bass, the sooner you’ll land that lunker.
How long does it take to build credit? Building credit takes time, too, just like landing lunker bass. While you can get to average or good credit (650 – 700 score) in just a couple of years, it can
take up to 7 years to get to a “very good” credit score of 750 or higher. This is especially true if you need to know how to fix your credit from a poor start.
If you are thinking “fix my credit,” about how to establish credit in the first place, how to build credit without a credit card, or how to get credit scores, read the next part carefully. Building your credit strongly and swiftly takes opening at least a few accounts of each type, both loans and credit cards. Then, you must and make consistent, timely payments. Even more important when you have a short credit history – then even a single late payment will set you back.
Step 5: Take It Far Enough, And You’ll Win The BassMaster Classic
No kidding! The credit score equivalent of a 10+ pound bass is an excellent credit score over 800+. Keep your eye on the line, lure in the water. Keep your payments consistent and on time. Show that you can pay down and pay off credit cards
and credit lines while keeping them open. Choose the right gear, learn what works. Be patient and consistent over time. Team up with a partner to make your bass fishing and credit building journey more fun. Stick with it and you’ll land a trophy credit rating right along with that 10-pounder.
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