Credit Tips

Credit Tips

Find better ways to build and manage your credit.

Credit TipsWhat You Need To Know About Credit

Tips on how to rebuild your credit

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

Planning to become debt free?

  1. Consider working with a credit counselor
  2. A debt management plan helps you control payments and costs
  3. 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

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

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