Below I have listed some do’s and dont’s for what can affect your credit score. Anyone who is struggling with their credit, trying to establish or even reestablish credit and first time home buyers should give this list a good read. You should know just how important your credit score is. It is what helps you apply for loans, have reasonable interest rates and much more! Please take the time to understand your credit score and apply that knowledge.

Do’s:
-Pay your bills on time! There is no reason you should be a month late when paying
-Help lower debts by paying off chunks as often as you can – aka Credit Card bills
-Check for and fix any errors as soon as you can
-Avoid credit scams
-Used secured credit cards
-Try to co-sign when establishing credit
-Try Quick and Rapid Rescore – Do this through a bank or mortgage company

Do Not’s:
-Keep any financial problems to yourself – talk to your creditors
-Close accounts – discuss whatever the issue is with your creditor
-Open a new account unless you Must
-Think that foreclosure or bankruptcy is the answer – it never is and will stay on your credit report for about a decade