News & Tips



  1. Get copies of your credit reports and correct any errors.
  2. Review your FICO score, scores range from 300 to 850.
  3. Pay your bills on time, 35% of your score is based on your payment history.
  4. Set up automatic bill payments to avoid late payments.
  5. Pay more than the minimum payment when able to.
  6. Keep your balances on revolving credit accounts at less than 30% of your available credit. 30% of your score is based on what your percentage of available credit is.
  7. Don’t close credit cards, especially if they have been opened a long time, as 15% of your score is based on the length of time each account has been opened.
  8. Maintain a good mix of credit, including mortgage, auto loans and revolving credit lines.
  9. Don’t apply for too much credit, especially all at one time.
  10. Pay off credit card debt rather than transferring it from one card to another.