Listicles National Credit Education Month 2022

5 Tips To Improve Your Credit Score

1. ​Pay bills on time

   ​Past performance is a predictor of future performance so pay all bills off timely – rent, utilities, loans, and credit cards.

2. Keep debt to a minimum

   ​Understand your credit utilization ratio which is the amount of debt you carry (total amount of credit balances) compared to your combined credit limits; lenders like to see a credit utilization ratio of less than 30%.

3. ​Keep up the good work

   ​The longer you can maintain a good credit rating, the better. Accounts that have been in good standing for a long time add to your credit score.

4. ​Open new credit accounts only as needed

   Applying for credit results in a “hard inquiry” on your credit report which has a negative on your overall credit rating that can last for up to two years.

5. Check your credit reports

   If you find inaccurate information on any credit report, you can dispute the information to have it corrected.

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March is National Credit Education Month which means there is no better time to educate yourself and others on the importance of understanding the ins and outs of your credit score. Did you know that one in five Americans find errors on their credit reports and that more than 90% of home and auto insurers use credit ratings to decide who to cover and what premiums to charge? It’s for these reasons you should actively monitor your credit score as well as educate yourself on how to properly manage it. Let’s get started.

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