Financial Literacy for Everyone

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Credit Scores

When you apply for credit, lenders determine your credit risk by examining your credit scores. Here are some of the ways you can maintain a high credit score:

  • Complete credit applications carefully and accurately.
  • Use your credit cards responsibly and don’t let them reach their limit or spend beyond your means.
  • Attempt to pay your credit card balance in full each month, but at least make the minimum payment by the due date.
  • Always pay bills on time.
  • If you have problems paying your bills, contact your creditors. In many cases, they will work with you to figure out a payment plan.
  • If you move, let your creditors know your new address as soon as possible to avoid losing bills or receiving them late.
  • If your credit card is lost or stolen, report it immediately.
  • Review your credit reports periodically for accuracy and report any errors immediately.
  • Establish a consistent work history.