{"id":3577,"date":"2021-02-26T22:30:44","date_gmt":"2021-02-26T22:30:44","guid":{"rendered":"https:\/\/polamfcu.com\/?p=3577"},"modified":"2021-02-26T22:30:44","modified_gmt":"2021-02-26T22:30:44","slug":"building-and-maintaining-a-healthy-credit-score","status":"publish","type":"post","link":"https:\/\/polamfcu.com\/ru\/blog\/building-and-maintaining-a-healthy-credit-score\/","title":{"rendered":"Building and Maintaining a Healthy Credit Score"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3578\" src=\"https:\/\/polamfcu.com\/wp-content\/uploads\/2021\/02\/Building-and-Maintaining-a-Healthy-Credit-Score.jpg\" alt=\"\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>As you probably know, your credit score is one of the most important aspects in having a healthy financial life. That score can affect so many aspects of your life, from being approved for loans and credit cards to owning or renting a home. Your credit score can also impact what you\u2019ll pay in interest rates and even your job prospects. However, there are various ways to help improve your score, regardless of how high or low it is. Here are a few tips to help you get started:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Don\u2019t ignore your debt &#8212; manage it as you go. <\/strong>Building up your payment history is an important step, but at the same time, you don\u2019t want to max out your existing line of credit. To start, don\u2019t charge more than 30 percent of your available credit, and to keep your credit score active, use your credit card for smaller purchases &#8212; coffee, a tank of gas, even a small personal purchase &#8212; and pay it off every month.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Pay your bills on time &#8212; every time. <\/strong>They say that the number one thing you\u2019re supposed to do when you receive a bill is to pay it on time every time. However, you\u2019d be surprised how many people don\u2019t always do that. Whether it\u2019s your electric or gas bill, car payment, or even a credit card for your favorite retailer, keeping an on-time payment record shows credit reporting agencies that you can be trusted to make smart financial decisions, thus making you more qualified for loans or credit cards.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Keep your credit history safe and secure. <\/strong>One of the ways your credit score can deteriorate is if you accrue a number of inquiries (or hits) on your credit history, such as late payments and fees, as it can seem like you\u2019re using credit to bankroll your lifestyle. As such, this can result in being denied approval for credit cards and loans, as lenders may see you as unreliable. You can avoid this by not applying for multiple credit cards, cosign loans for friends, or applying frivolously for aforementioned credit cards because you can get freebies.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; As you probably know, your credit score is one of the most important aspects in having a healthy financial life. That score can affect so many aspects of your life, from being approved for loans and credit cards to owning or renting a home. Your credit score can also impact what you\u2019ll pay in &#8230; <\/p>\n<div class=\"read-more-box\"><a class=\"btn\" \n href=\"https:\/\/polamfcu.com\/ru\/blog\/building-and-maintaining-a-healthy-credit-score\/\">Continue reading<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-3577","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Building and Maintaining a Healthy Credit Score - Polam Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polamfcu.com\/blog\/building-and-maintaining-a-healthy-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Building and Maintaining a Healthy Credit Score - Polam Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"&nbsp; As you probably know, your credit score is one of the most important aspects in having a healthy financial life. 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