• IMPROVE YOUR CREDIT SCORE
  • Pay your bills on time.  Delinquent payments and collections can really hurt your score.
  • Keep balances low on credit cards.  High debt levels can hurt your score.
  • Pay off debt rather than moving it between credit cards.  The most effective way to improve your score in this area is to pay down your revolving credit.
  • Apply for and open new credit accounts only when you need them.
  • Check your credit report regularly for accuracy and contact the creditor and credit reporting agent to correct any errors.
  • If you have missed payments, get current and stay current.  The longer you pay your bills on time, the better your score.