The National Defense Authorization Act (NDAA) of 2017, in Section 641, signed by President Obama on December 23, 2016, amended the definition of disposable pay in the Uniformed Services Former Spousesâ Protection Act (USFSPA), 10 U.S.C. Â§ 1408-- In the case of a division of military retired pay as property (that becomes final prior to the date of a ...
There are things you can do right now to begin improve your credit score. 1 Get a copy of your credit reports. You can't start to your credit score your credit until you know exactly what you need to work on. Your credit report includes a list of the accounts that are hurting your credit score.
Increase Your Credit Limit. Several factors contribute to a good credit score. One is your credit utilization ratio. Credit utilization is the percentage of your total available credit that youâve used. If you have a credit limit of $5,000 and you carry a balance of $3,000, your credit utilization rate is 60 percent. You should aim for a utilization rate lower than thatâgenerally, the lower, the better. Requesting a credit limit increase from your card issuer is one way to help improve your credit health. The flip side is that the card issuer might perform a credit check, which appears as a hard inquiry on a credit report. This can drop your score a few points in the short term.