How can you improve your credit score?

1. Pay your bills on time

2. If you are currently paying your bills lat, contact each creditor and make payment arrangements

3. Pay the full amount due on secured loans each month and pay on time

4. If you can’t pay the full amount due on secured loans, request to make an interest-only payment until you can make the full payment

Managing the Credit You Have

1. Pay down your credit card balances to 45% or below of the available credit balance high debt-to-credit limit ratios reduce your credit score

2. Don’t “Credit Surf” – transferring balances from card to card

3. Don’t close unused accounts – the zero balance may help your score

4. Review your credit report for accuracy at least 90 days before you intend to apply for a mortgage or once a year – www.annualcreditreport.com