Tips For Building A Better Credit Score

• Pay your bills on time. Delinquent payments and collections negatively impact your score.
• Keep balances low on credit cards and other "revolving credit." High outstanding debt lowers your credit score.
• Apply for and open new credit accounts only as needed. Don't open an account just to have a better credit mix; it probably won't raise your score.
• Pay off debt instead of moving it around. Owing the same amount, but having fewer open accounts may lower your score.