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Iowa Computer Services – Computer Repair Maintenance and Training, Iowa Wedding Photography, Des Moines, Iowa Senior Pictures
1. Pay your bills on time.
If your credit card bill (or sometimes utility bill) is not paid on time it will reflect on your credit report. Late payments will have a HUGE impact on your credit rating. PAY YOUR BILLS ON TIME!!!!
2. Don’t use all of your credit.
Amount of outstanding debt is another significant factor in the calculation of your credit score. If your debt % is more than 30% of your credit line, you might be penalized by getting your score lowered.
3. Be careful when applying for loans/credit cards
If you are applying for too many cards in the short period of time your credit score will be lowered. As a rule of thumb don’t apply for more than 1 credit card a month.
4. Be careful when co signing a loan
Remember if a person you cosigned with defaults on the loan (or has late payments) your credit score might be affected. You will also be responsible for the loan if that person doesn’t pay. Choose very carefully the people you are going to co-sign with.
5. Monitor your credit
Make sure to check your credit report at least every 4 months. You have an opportunity to get a free credit report by going to