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Tips for improving your Score

• Pay your bills on time.
• Delinquent payments and collections can have a major negative impact on your FICO score.
• If you have missed payments, get current and stay current.
• The longer you pay your bills on time, the better your credit score.
• Be aware that paying off a collection account will not remove it from your credit report.
• It will stay on your report for seven years.
• If you are having trouble making ends meet, contact your creditors or see a legitimate credit counsellor.
• This won't improve your credit score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.