Tips for keeping your credit rating good and protecting your credit rating

• Shop for the most competitive rates and annual fees.
• Check your monthly statement for any inaccurate information.
• Set aside some money for emergencies every paycheck.
• Plan ahead and be conservative. Know what your monthly budget is and stick to it.
• Pay your entire bill every month or more than the minimum monthly amount.
• Pay bills 8 to 12 days before the due date to guarantee prompt payment.
• Secure your records, personal information and credit cards in a safe place. Protect this information from being lost or stolen.
• Plan your monthly budget or limit and evaluate often.
• Beware what you are signing when you apply or open a new credit card or loan.
• Pay at least the minimum payment on time, preferably ahead of time.
• Avoid balance transfers unless you receive a competitive interest rate for life. You are only prolonging the inevitable.
• Check your credit standing at least once a year. Double check the accounts you have are in fact those accounts that you have authorized.

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