Credit Tips

Find better ways to build and manage your credit.

What You Need To Know About Credit

Tips on how to rebuild your credit

Pay your bills on time, every time
Don’t get too close to your credit limit
Don’t apply for too much credit in a short time
If you do not qualify for a regular credit card, try a secured card
If you pay with a credit card, pay your balance off every month
Keep it up
Check your credit reports and fix errors right away

Planning to become debt free?

Consider working with a credit counselor
A debt management plan helps you control payments and costs
A debt settlement plan can cost more and hurt your credit

Understand your credit score

Banks, credit card companies and other businesses use credit scores to estimate how likely you are to pay back money you borrow. A higher score makes it easier to qualify for a loan and lower interest rates. Many scores range from 300 to 850, but different companies use different ranges.

How to fix mistakes on your credit card bill

Review your credit card statement closely every month
Call the customer service number
Follow up with a letter
Pay the other undisputed charges
See if the mistakes were fixed

Credit Tips

Credit Tips

Find better ways to build and manage your credit.

What You Need To Know About Credit

Tips on how to rebuild your credit

Planning to become debt free?

Understand your credit score

How to fix mistakes on your credit card bill

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