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Perfect credit habits
By sticking to the following simple, perfect credit habits you will develop stellar credit over time!
- Keep credit inquiries on your report to a minimum. Apply for credit only if you really want to.
- Pay bills on time (at least the minimum payment).
- Keep card balances below 40% of the credit limits at all times.
- Do not close accounts unless you have to. (Affects length of credit history).
- Do not pay off or contact old delinquent accounts for quick score improvement. It can actually reduce your scores! Speak with me first. Important!
- Make sure you have at least 3 credit accounts. If you are concerned about being declined, get a secured credit cards here if you are concerned about being declined. (You need secured credit cards - NOT prepaid credit cards).