How do we avoid

THIS?

What’s

Most

Important?

Payment History

It’s in that obvious categorybut it’s still worth saying…

Have a system that assures you pay your bills

without fail

And do iton time…every single month

2nd

Amounts Owed

When it comes to credit scores“Common Sense”

Does not always apply

So it’s actually best to have high credit lines

with low balances

Length ofHistory

Once again,“Common Sense”

Has left the building

Do NOTclose old accountsLonger history on accounts paid timely

= better scores

So use them on occasion

Then pay them off quickly

What else?

New Credit

You’ve seen all the offers

Becausenew accounts will hurtyour

scores

Saving $30 today

Can cost Youthousands

tomorrow

Lastly…

Types of Credit

Variety Is

Good!

Maintain a mix of:

revolvingInstallment & secured accounts

It’s not alwayseasy but it isworth theeffort…

And If youneedHelp!

I’m always available to help 602-361-0707 Or fixmybrokencredit.com