Focus:

• Tips for increasing your credit score and getting back on track.
• Your credit score can save you money or cost you money - it's time to make a decision!

Concerned About Your Credit?

1. Know Your Credit Score
   • Your credit score dicates how much you pay for credit and whether you even qualify for credit when you need it.
     
2. Improve Your Payment History
   • Pay your bills on time - if you are already behind, get current and stay that way.
     
3. Contact Your Creditors
   • If you are having financial problems contact your creditor and work towards a solution - not opening the mailbox does not make the bill go away!
     
4. Keep Credit Inquiries to a  Minimum
   • Applying for several loans or credit cards in a short period of time can actually drive your credit score down.
     
5. Make a Plan and Stick to It
   • Develop a good record of paying on time, and avoid quick fixes.  If your situation is serious, and you are serious about being debt free - do not give up.