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Learn what your current FICO Credit Score is and what appears on your credit report.

Don't open new credit cards that you don't need just to increase your available credit.  This approach could backfire and actually lower your score.

Try and keep your total account balances as low as possible.  High outstanding debt may negatively affect your score, as you have a greater chance of missing payments.

Correct any incorrect information that might appear on your credit report.  WE CAN HELP YOU WITH THIS!

If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time.  Consider opening new accounts responsibly and paying them off on time.

To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get.  Apply for new credit accounts only as needed.

Make all of your payments on time.  If forced to miss a payment, be sure to pay the following month.  Accounts more than 30 days, 60 days, and 90 days past due will be indicated on your credit report.

Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your credit score.

 

I hope you find this information helpful, have a GREAT DAY! :)

 

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Financial Planner: Dwayne Calk       (RMCN Credit Services)
Dwayne Calk
Mc Kinney, TX
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RMCN Credit Services

Office Phone: (972) 529-0900 Ext.: 345
Cell Phone: (214) 207-1907
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