Thank you Lexington Law Firm for sponsoring this post. Lexington Law Firm’s team understands that a credit score is not just a number; it’s a lifestyle.
I am a little entrepreneur with big dreams, so it is important to me that my credit score stays where it is or grows. Having a low credit score could destroy some of my dreams.
This is something I always keep in mind, and I have learned so much from the mistakes of other people I know. When I am looking at financials, my credit score is always something I think about.
With every decision I make, I ask myself, how will this affect my credit score?
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As for me, here are a few things that I do to keep my credit in check:
Pay bills on time
This is the one rule my dad gave me. Pay. your. bills. on. time.
No matter what is going on, I always make sure that I am able to pay my bills on time. When I first started off in journalism, I was making absolutely nothing. Like, I could have gotten more working at the gas station down the street kind of nothing.
I had to really prioritize what I was doing to entrust that I got my bills paid on time. It wasn’t always great. Personally, I am a foodie – but when I moved to Alabama, I ate out a total of 8 times in one year on my own dime. In the long run, I knew making these sacrifices would benefit me in the long run.
Watch my credit usage
When I first started off in my adult life, I had no idea that credit usage affect my credit score.
To be fair, I barely understood what a credit score was, but I definitely didn’t think something like credit usage percentage did anything.
Once I learned more about the system, I was able to keep myself in check. I learned everything I could about my credit card. And once I understood it completely, I was able to keep it in a range that kept my usage down and increased my credit limit year after year.
Strategically plan credit checks
Personally, the thing that stumps me the most is how credit checks affect your credit score.
I always plan my credit checks to keep them far apart. For example, I took my parents off my auto loan 5 months ago. I waited until recently before I looked into refinancing my home loan.
This distance in time helps cushion the pain your credit score can take from a credit check. Always keep these things in mind when you go in for a big purchase,
What are some of the ways that you’ve found to keep your credit in check?
