Tips to a Better Credit Score

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  • Pay down your debt, beginning with items that charge the highest interest.
  • Avoid late payments.
  • If you’re having trouble paying a bill on time, call them and request a modification.
  • “The most common way people give up their power is by thinking they don’t have any.”
    Alice Walker

  • Generally, it is considered good to have established credit accounts, but don’t carry an excessive number of credit cards.
  • When you close unused credit accounts, request written confirmation that the account has actually been closed.
  • Stay away from “too-good-to-be-true” offers.
  • Routinely monitor your credit report.
  • Make a realistic monthly spending plan and stick to it.