Improving Your Credit Report / Score

Unfortunately, most consumers still do not know basics about credit reports and how much they really mean in our lives. There is a huge group of consumers who will actually harm their credit report and score before they ever learn anything about it.

Pay your bills on time. Late payments can have a huge negative impact on your credit report and the longer you pay your bills on time, the better your credit report and score.
Keep balances low on credit cards. High levels of debt can affect your score. Maxed out credit cards can lower your score.
Never open new credit cards that you don't need. New accounts will lower your average account age.
Use credit cards but manage them responsibly. In general, having credit cards and installment loans (and making timely payments) will raise your score.
Closing an account doesn't make it go away. Closed accounts still show up on your credit report and may be used your score.

Improving Your Credit Report / Score

Signup today for your

Free Annual Credit Report

Become a Credit Report
Aware Consumer Today.

Improving Your Credit Report / Score

Signup today for your

Free Annual Credit Report

Become a Credit Report Aware Consumer Today.

Become a Credit Report
Aware Consumer Today.