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5 quick steps to a better credit score

1. Pay all of your bills on time

Late payments, collections and bankruptcies have the greatest negative effect on your credit score.

2. Check your credit report regularly and take the necessary steps to remove inaccuracies

If you happen to find an inaccuracy on your credit report, contact the creditor associated with the account or the credit reporting agencies to correct it immediately.

3. Watch your debt

Keep your account balances below 50% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $500.

4. Give yourself time

Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open to lengthen your period of active credit.

5. Avoid excessive inquiries

A large number of inquiries occurring over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay.


Heritage Credit Union offers complimentary, no obligation credit report reviews. Our staff will examine your report with you and answer your questions, plus they may even find ways to save you money.

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