Credit Tips

Tips For Maintaining Good Credit

1. Pay Your Bills on Time
Establish a process to make your payments well before the due date, so you can help avoid late fees and other possible charges. Also, make sure you have the money in your account. Making payments on time is not only simple, it's one of the best things you can do for your credit score.

2. Be Proactive
There is information on the web and in the media that addresses issues that you may have with your credit and how to maintain good credit. Also, be sure to periodically review your credit report for errors. If you issue a complaint, the bureau and your creditor must investigate it and correct or remove any information that is not accurate.

The three major credit bureaus are listed below:
Equifax
800-685-1111
Experian
888-EXPERIAN
TransUnion
800-888-4213

You can contact the agencies directly to get a copy of your credit report. Or you can visit http://www.annualcreditreport.com/ to request your reports for free online. This new free service is being offered to consumers once every 12 months.

3. Use Credit Wisely
Creating a budget will show you where your money is going – and this is powerful knowledge. With this information you will find that it is easier to track outstanding debt and work toward paying it off.

4. Inform Your Creditors of an Address Change
Notify your creditors immediately when you move, so you can receive and pay bills on time.

5.Professional Advice
Want more information on getting and keeping good credit? Check out these links:

HELPFUL CREDIT LINKS

Free Credit Report
Learn About Credit 
Steps to Improve Credit