null
skip to main content

Six Tips for an Almost Perfect Credit Score

It can seem impossible to have a perfect credit score that comes in at 850 but following these tips can help you stay in the top tier of credit scores, affording you the best loan rates and credit terms. Here are six tips to maintain a close-to-perfect credit score.

  1. Check your credit report at least once annually and dispute any errors right away. It is free to check your report once per year from each of the three credit bureaus.
  1. Pay your bills on time or ahead of their due date. Aim to pay bills as soon as you get them or at least one week before they are due, if possible.
  1. Keep your credit card balances below 30 percent of your credit limit. For example, if you have a credit limit of $1,000 then you should try to keep your daily balance under $300.
  1. If you have debt, work on paying it down. Start with revolving debt first, such as credit cards and lines of credit.
  1. Only apply for credit card accounts that you need or intend to use. Too many inquiries for new credit will lower your score.
  1. Fifteen percent of your credit score is based on length of credit, so think before closing any accounts. Closing an older account could harm your score.

BONUS TIP: Attend our Pre-Holiday Credit Score & Budget Review workshop on Sept. 26 to get personalized tips to improve your score.

 

 

7 TIPS FOR SMART HOLIDAY SPENDING

Simple tips to follow to maintain spending during the holiday season.

8 TIPS TO PREVENT ID THEFT

Now, more than ever, it is very important to protect your identity. Follow these 8 tips to help prevent ID Theft.

6 TIPS FOR AN ALMOST PERFECT CREDIT SCORE

Credit doesn't have to be complicated. Here are 6 tips to follow for an almost perfect credit score.

5 SECRETS FOR FIRST-TIME HOMEBUYERS

There is a lot to think about when it comes to buying a home. Here are 5 secrets that first-time homebuyers need to know.

8 terrific tips for college-bound teens

Planning for college isn't easy, so we've come up with 8 tips to help parents and teens stay within their budget.

BACK TO SCHOOL SENSE!

The best strategy for back-to-school shopping is to start with a plan. Make a list of supplies you will need before you start shopping. Here are tips that will help cut down on expenses.

STAYCATION TIME!

How to plan a close-to-home vacation on a budget.

Better Budget Tips

It’s hard to cut back on your wasteful expenses when you don’t even know what they are. How can you figure out new ways to save? Start by setting and monitoring a budget that works with your lifestyle. Check out these budgeting tips and start saving now!

Six Tips to Improve Your Finances

Improve your finances with six simple steps. Everything from understanding your credit score to creating monthly budgets are easy ways to get your finances in check.

Student Loan Survival Guide

After graduation, you don’t want to be drowning in student loan debt on top of all the new expenses of starting out. It is important to find a loan that is best suited for your needs, so start your research now! We put together a student loan survival guide to help you get started.

Top Ten Budget Busters

Setting a budget is important, but making sure you’ve included all of your expenses is crucial. Want to be sure you don’t go over budget? Include costs that cover all aspects of like, not sure monthly bills and weekly grocery trips. Check out these elements that are usually forgotten when setting a budget to ensure you don’t make the same mistake.

SPF 100 for Your Summer Vacation

As summer approaches it’s time to start planning that summer vacation. Whether you are driving or flying there are always ways to save. Check out these tips to make your summer travel a breeze.

Financial Check Up

Your financial health cannot be measured by a single factor, instead it’s determined by a number of elements. How financially healthy are you? Look at these questions to get a feel of your current financial health. If your answers are unclear, it might be time to develop a new financial plan.

The Snowball Effect: Melting Away Your Debt

Wouldn’t it be nice if you could easily get rid of debt? Well, it might be easier than you think! Check out the Snowball Effect approach and learn how to melt away your debt.

The Best Place to Bank. Become a Member.

join today