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A credit score of 720 or higher can make a big difference in your financial life. Higher credit scores can lead to better rates and terms on consumer loans, better insurance rates, and can even make a difference in your ability to secure certain services like cable and phone access.
Once you have a good credit score, you need to maintain it. Here are some simple do’s and don’ts to maintain your credit score.


  • Limit your applications for new credit
  • Monitor your credit report at least yearly (
  • Dispute any inaccuracies you find on your report


  • Make frequent balance transfers or pay bills late
  • Use more than 30% of your available credit
  • Close ALL of your older credit card accounts. (Seasoned accounts may actually improve your score.)
Equifax – 800-685-1111 –
Experian – 888-397-3742 –
TransUnion – 800-888-4213 –