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How To Maintain And Improve Your Credit Score
Pay your bills on-time
This is the biggest thing that you can do to keep your credit score high. Late payments have a significant negative impact.
Pay down balances
You should never utilize more than 50% of your available revolving credit such as credit cards and department store cards.
Watch your credit score
Your credit score is such an important part of your life that it deserves to be watched carefully.
Limit new credit unless you need to establish more good credit
If you don't have at least 3 credit accounts (ideally: 3 major credit cards, or 2 credit cards and one dept store card). Establish some good credit.
Review your credit reports regularly
Check your credit reports regularly for incorrect information or erroneous reporting. With Identity Theft on the rise, this is also a good precaution to keep informed of any credit activity in your name.
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INTRODUCTION
FACTORS THAT INFLUENCE YOUR CREDIT
THE CREDIT SYSTEM
RISK FACTORS
HOW MUCH DOES A LOW SCORE COST YOU
HOW ARE CREDIT SCORES CALCULATED
WHAT CAN YOU DO
MAINTAINING AND IMPROVING YOUR CREDIT SCORE
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