Credit Building Tips

• Get a copy of your credit report

• Dispute any inaccurate accounts on your credit reports.

• Avoid new credit card purchases.

• Pay off a past due balance.

• Avoid new credit card applications

• Leave accounts open. If it has a balance, leave it alone. Closing it can negatively affect your score.

• Pay your bills on time.

• Get credit for making utility and cell phone payments on time.

  • Check out experian.com/boost for a free service to help you do this.

• Don’t apply for too much credit. Having multiple inquires will only hurt you.

• Stay well under your credit limit.

• Talk with your creditors. Ask for help with payments/balances.

• Look into debt consolidation as a way to combine all of your debts into one large sum.