Understand the importance of your credit score and how to manage it.

Credit Talk

Your credit score is a reflection of your reliability based on past economic behaviors. It's used by creditors, landlords, insurance agencies, government agencies, even employers. It tells part of your financial story.

There are many factors that contribute to your credit score. Most companies that you borrow from, pay a bill to, or even have an account with, have the ability to report information to the credit bureaus. So, it's important to respect those relationships.

Due to the many factors that go into determining your credit score, sometimes there are inaccuracies, which is why it’s important to monitor your credit report on an annual basis. If you do find an error, you dispute it by writing a detailed letter and sending it with a copy of the report noting the inaccuracy. Send it via certified mail, save a copy for yourself plus all receipts. Credit bureaus are required by law to investigate and revise any inaccuracies.

There are 3 simple ways you can improve your credit score by managing your credit:

1. Pay bills on time to maintain positive loan relationships.

2. Monitor your statements, interest rates, and credit reports.

3. Report all inaccuracies to the credit bureau immediately.

Fortunately, you have more control over your credit score than you may have thought. With a little discipline, you can manage your credit wisely. Simply put, live within your means. A small sacrifice today can lead to a lifetime of financial freedom.

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