Keeping and Protecting
Your Good Credit Rating

Tips to help you keep your good credit

• Shop for the best loan rates and annual fees.
• Check your monthly statement for any errors.
• Set aside some money for emergencies every paycheck.
• Do not over extend yourself. Know what your monthly budget is and stick to it.
• Try paying your entire bill every month or more than the minimum monthly amount.
• Send and pay bills 7 to 10 days before the due date to ensure prompt payment.
• Secure your files and credit cards in a safe place. Protect this information from being lost or stolen.
• Set you monthly budget or limit.
• Know what you are signing when you apply or open a new credit card or loan.
• Pay at least the minimum payment on time.
• Avoid balance transfers unless you are getting a better interest rate for life. You are only delaying the inevitable.
• Check your credit report at least once a year. Make sure all the accounts you have are in fact those accounts that you have authorized.
  Click here to obtain a your credit report online.

Reasons for credit denial

Some common credit mistakes and credit repair

Tips for keeping and protecting your credit rating good