A good credit record means a lot to you. You can’t afford to ruin it. Here is how to maintain a good credit record:
- Pay your bills promptly, especially credit cards
- Borrow only what you need and what you can afford
- Try to pay off loans on time and as quickly as possible
- Get reference letters from landlords and creditors and add them to your personal file
- Make sure incorrect information is removed quickly from your credit file
- If you are having difficulty paying a bill, contact the creditor immediately
- If you are ill or disabled, find out if you have insurance on the loan or credit card that will make the payments if you can’t
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