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Credit score impact on your financial picture

Score > 720=better interest rates and more borrowing power

Score < 720= higher interest rate and fewer credit options

Credit is part of your financial power. It helps you to get the things you need now, like a loan for a car or a credit card, based on your promise to pay later. Working to improve your credit helps ensure you’ll qualify for loans when you need them.

If your credit score is low, or you just want to make sure it stays high, follow these steps to improve or maintain your score:

  • Pay your bills on time.
  • Do not max out your credit limits.
  • Do not apply for too many new credit accounts in a short period of time.
  • Do not have too many credit card accounts.
  • Develop a credit history as early as possible to demonstrate a long record of responsibility.

If you find inaccuracies on your credit report you should:

  • Dispute the inaccurate information directly with the consumer reporting agency and maybe even with the provider of the information.
  • Tell them in writing what you believe is inaccurate and provide as much proof, including copies of documents, as you can to support your position.
  • The agency generally has 30 days to investigate your complaint.

Disputing Info on Credit Bureau


What is a credit score?

Credit Score Info

What you will learn:

  • Your credit score is a 3-digit number that represents the status of your credit report
  • Lenders use credit scores as one factor when making certain decisions
  • Generally, the higher your credit score, the higher the likelihood that you will demonstrate good payment behavior
  • There’s no quick fix for a credit score that isn’t excellent
  • But with the right tools, education, and habits, you can get on the right track


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