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Program Details

Establishing Credit Tips

Use Credit Cards For Recurring Payments

When it comes to achieving great credit, using multiple different lines of credit regularly is fundamental. An easy way to accomplish this without accidentally missing payments is setting up recurring monthly payments on various cards and setting up autopay for those cards with your bank. In addition, putting smaller payments like monthly Netflflix charges on older cards you barely use is a great way to keep that line of credit active and ensure you're getting top marks on credit diversity from the bureaus.

Maintain as Many Credit Accounts as Possible

You may think you can achieve excellent credit by having a credit card or two and keeping them paid off. Unfortunately, timely payments are only one piece of the puzzle. Credit bureaus prefer to see a diverse mix of credit accounts on your report with a high combined credit limit. This means the more credit accounts you keep open, the better your score. Bureaus also like seeing that you have experience with multiple forms of credit, so having open loans in addition to credit cards on your report is a plus.

Keep Your Credit Utilization Down

After payment history, credit utilization is the next significant factor that affects your credit score. It's tempting to use your high credit limit to make large purchases and pay them off over time, but it's a bad idea. You'll end up paying interest, and your credit score will suffer immediate damage. Instead, keep your utilization under 30% of your overall available credit for an optimal credit score. If you're currently using over 30% of your available credit, paying it below that threshold will rapidly improve your score.

Keep Your Accounts Open

As far as credit bureaus are concerned, the more credit accounts you have open, the better. Having as much available credit as possible (even if you don't plan to use it) is key to achieving an excellent credit score. Closing an account will lower your available credit, negatively impacting your credit utilization rating and your score. Additionally, the credit bureaus' algorithms will score points for long-standing accounts, so keep those old accounts up and running.

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