Hello and welcome to another quick Credit Repair Tip. I’m your host, Denise Cestone, a former Credit Bureau Executive, Author, Mentor, and Founder of IncreaseYourCreditScore.org. I enjoy helping our clients achieve their goals of having outstanding credit quickly. .
If you paid cash for everything, you wouldn’t have a credit history. Moreover, without a credit history, you don’t have any credit! Using credit wisely is crucial for building a solid credit score. Here are some friendly tips to keep your credit score in great shape:
- Keep your debt-to-credit ratio under 30% for each card. Less is even better!
- Always pay your bills on time—every single time.
- Don’t ask for more credit than you can handle paying back on time.
By sticking to these guidelines, you’ll develop an awesome credit history. And remember, as your income goes up, it makes sense to take on more credit. Just be careful not to overextend yourself.
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For a free 15-minute consultation, call us at 973-228-7599. You will walk away with:
- How to access your credit report
- What to look for that really hurts your credit
- What to do to start improving your credit