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Your Credit… 7 Steps you can take to improve your score:

  • Pay your personal & business bills On Time! Paying over 30 days late can drop your score up to 100 pts.
  • Get credit for making utility & cell phone bills on time.
    • Through the new opt-in product, “Experian Boost”, consumers can allow Experian to connect to their bank accounts to identify utility and telecom payment history.
  • Pay off debt & keep balances low on credit cards & other revolving credit.
  • Apply for open new credit cards only when needed.
  • Do Not close unused credit cards – may increase your credit utilization ration.
  • Don’t apply for too much new credit over a short period of time resulting in multiple inquiries.
  • Check your credit report & score every 4 months for any inaccuracies
  • Delinquencies remain on your credit report for seven years.
  • Most public record items remain on your credit report for 7-10 yrs.
  • Inquiries remain on your report for two years.
  • Be patient, rebuilding your credit takes time!


Brian Breslin

(404) 845-7473

[email protected]