Credit Advice & Tips
Understanding Your Credit Score
Your credit score is a three-digit number that represents your creditworthiness. It typically ranges from 300 to 850, with higher scores indicating better credit.
300-579
Poor
580-669
Fair
670-739
Good
740-799
Very Good
800-850
Exceptional
Tips to Improve Your Credit
Check Your Credit Report
Review your credit report regularly for errors and dispute any inaccuracies.
Pay Bills On Time
Payment history is the most important factor in your credit score.
Keep Credit Utilization Low
Try to use less than 30% of your available credit.
Don't Close Old Accounts
Length of credit history matters. Keep old accounts open and in good standing.
Limit New Credit Applications
Too many hard inquiries in a short period can lower your score.
Diversify Credit Types
Having a mix of credit cards, loans, and mortgages can help your score.
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