There are several steps that you as a consumer can take to improve or protect your credit score. Each of these guidelines can help you to maintain your good credit rating and help you to improve your credit score.
 Make all payments on time.
- Just one late payment can affect your credit score.
Do not apply for unnecessary credit.
- Only apply for credit when you absolutely must, excessive inquiries can negatively affect your score.
Do not use all available credit.
- A general rule is not to carry a balance of greater than 50% of your available credit limit.
Do not close old lines of credit.
- Closing an old account will shorten your credit history and may have a negative impact on your score.
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