What affects your credit score negatively?
- Making late payments or missing payments altogether
- Being unemployed
- Filing for bankruptcy or having a lien placed against you.
What affects your score positively?
- Having those bills paid on time
- Steady employment
- Keeping your available credit on credit cards less than 25% of availability.
What should you do to maintain your credit score:
Check your credit score and reporting
Identify your debts with high interest.
Use cash instead of credit cards.