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Your credit score represents your creditworthiness or your ability to pay off your debt, so if you have a low credit score, it may be more difficult for you to qualify for a new loan. However, if you have a high credit score, you may enjoy better perks like a higher credit limit and faster approvals. So save and share these tips we got for you.

1. Get a Flexi Finance Loan

This is an excellent way to show future creditors that you’re a responsible payer and that you know how to manage your finances well.

However, applying for multiple loans at once can be detrimental to your chances of approval and put a strain on your finances. It’s best to focus on a maximum of two to three loans that you can consistently pay for without putting yourself in financial hardship.

The good news for our VIP clients is that they can get extra cash of Php20,000 in as fast as 30 mins. If you were able to receive our SMS offer, you can ask our agent to process your preapproved cash loan thru this Facebook Page: Flexi Cash Loan.

Don’t worry, we also provide cash loans of up to 10,000 pesos for new clients. Just register at this link

2. Pay on Time

Always pay your bills on time. That includes all your utilities, other loans, and any medical bills you might have. You can use the features of your online banking apps and e-wallets to make your payment automated.

To secure your payments, always pay through our authorized payment channels and accredited banks only using their PAY BILLS feature.

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How can I have a good credit score?
Credit bureaus calculate credit scores based on five criteria. Take note of these factors in order to have a good credit score:

  1. Credit payment history – How regularly you pay your debts, how much you repay, and whether you’ve paid on time or not;
  2. The amount owed or credit utilization ratio – How much of your credit limit you spend. If you’re maxing out your credit card, you’re likely to miss your loan repayments in the future and get a lower credit score;
  3. Length of credit history – The average age of your credit card and loan accounts, and the length of time since those were used;
  4. Types of credit used – Whether you’ve availed of a variety of credit types such as auto loans, mortgages, and credit cards. This information gives lenders an idea that you can manage different credit types responsibly; and
  5. New credit – How often you’ve opened new accounts? Applying for multiple credit cards or loans at once can hurt your credit score.

Want to get your credit score? Visit this link to know how

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6th Floor, Skyrise 2, Villa Street, IT Park, Apas, Cebu City, 6000, Cebu

T: 0947 899 4146

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