Managing Your Credit
Demonstrate your stabilityYou can demonstrate stability through your employment history, your income history, the length of time you’ve lived at your current address, owning a home, establishing and maintaining a savings account.
Know what's in your credit reportYou should know what’s in your credit report to be sure that all your identifying information and accounts are correct. Review your credit reports from each of the three credit reporting agencies – Equifax, Experian, and TransUnion - at least once a year to make sure they are accurate. Your credit report may vary from one company to another.
Pay your bills on timeHow you’ve paid your bills in the past is usually the best indicator of how you’ll pay your ills in the future. Be sure to pay at least the minimum amount required by the date it is due on your account statement or invoice. You can always pay more, but you should never pay less than the minimum.
Remember, being late on a payment is a negative mark on your credit report even if you make up the payments later or provide extenuating circumstances, such as job loss. Also, if you are late making payments, you may be charged a penalty fee.
Back to Top Page Last Edited: Tue Oct 4, 2011 9:26:11 AM
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