This topic is discussed a lot, but it is important to speak about.
Credit restoration takes a lot of hard work and effort.
It can be very rewarding to have your score back where you want it to be.
The problems start when the customer begins falling back in to bad habits.
They don't keep up with the good habits they were able to achieve credit restoration by.
Falling back in to bad habits can be frustrating, especially to customers that had to work really hard to have credit restoration.
To avoid this from happening, here are six tips for keeping your credit score where you want it to be.
1.
Don't get back in heavy debt.
Stay on top of your credit balance and keep it below 25%.
This is a good rule of thumb.
Also remember to only charge items to your credit card that you know you can pay off every month.
2.
Take advantage of automatic pay options.
Your bills will often have an automatic pay option that deducts money right from your bank account.
You can even set it up right after your receive your paycheck so you know there is money in there.
3.
Don't inquire at a lot of different places.
Keep your inquiries down to a minimum.
You are probably used to applying for lines until you get credit, but you can stop that habit right now.
Only apply for credit lines that you need, and keep the number of inquiries down.
4.
Don't forget to pay your bills.
Pay off all your bills, and on time.
If you have a problem with this set up the automatic pay option, or make notes around the home, or set up alarms.
Do whatever it takes to keep on top of paying off your bills.
5.
Don't accept every credit offer that you receive.
Now that you have awesome credit you can afford to be picky.
Only choose credit lines that are good and you know you can pay back.
6.
Be safe about your credit.
Your good credit can easily be ruined again if you are the victim of identity theft.
Keep on top of identity theft protection measures.