Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and YouTube. Our third #CreditChat of Financial Literacy Month covered ways to rebuild and raise your credit score. This deck features highlights from our chat with tips from: @creditscoop, @LeslieHTayneEsq, @Payoff, @MoreThanWheels, @BahiyahShabazz, @GTAdmissions1, @MsMadamMoney, @TurboTax, @DebbiKing, and @RAHomes.

1. How to Rebuild & Raise Your Credit Scores
#CreditChat
Wednesday | 3 p.m. ET
Featuring: Jeanne Kelly @CreditScoop

2. Join our #CreditChat every Wednesday at 3 p.m. ET. This week,
we shared tips for rebuilding and raising credit scores.
“ Check Out All the Tweets and Resources:
ex.pn/creditscore

3. Wednesdays | 3 p.m. ET
#CreditChat
Why are credit scores important?

4. Your credit score determines which loans you’ll qualify for
and the interest rate you’ll receive. Good credit= better rates!
Tweet by @Payoff
#CreditChat

5. Your credit score is an indication of how well you manage credit.
The healthier your relationship, the higher the number.
Tweet by @LeslieHTayneEsq
#CreditChat

6. Credit scores are important: the first thing a potential creditor,
mortgage company or realtors check.
Tweet by @MoreThanWheels
#CreditChat

7. Wednesdays | 3 p.m. ET
#CreditChat
How many credit scores are there?
Which ones should we pay attention to?

8. Hundreds! 90% of lenders use FICO, so I would pay attention
to that. But more importantly, pay attention to your credit reports.
Tweet by @creditscoop
#CreditChat

9. Pay attention to ALL your scores, not just the ones that matter to you.
Tweet by @BahiyahShabazz
#CreditChat

10. Credit scores can vary depending upon what info the bureaus
have, so it’s important to keep track as much as you can.
Tweet by @LeslieHTayneEsq
#CreditChat

11. Wednesdays | 3 p.m. ET
#CreditChat
What information from a credit report
impacts credit scores the most?

12. Missing a lot of payments, or even one, drops the credit score
the most. Never miss one, or at least make minimum payments.
Tweet by @GTAdmissions1
#CreditChat

13. Payment history and credit utilization - make all payments on
time and keep balances at or below 30% of your available credit.
Tweet by @Payoff
#CreditChat

14. Wednesdays | 3 p.m. ET
#CreditChat
What can destroy a credit score quickly?

15. Paying credit accounts late, missing payments or not paying
them at all will kill the credit score.
Tweet by @MsMadamMoney
#CreditChat

16. Missing a payment, maxing out credit cards, collections, public
records. Be aware of what is on your credit reports.
Tweet by @creditscoop
#CreditChat

17. Wednesdays | 3 p.m. ET
#CreditChat
What are mistakes people make when trying
to rebuild credit?

18. Rebuilding Credit Mistake: Getting multiple credit card
accounts and maxing them out.
Tweet by @MsMadamMoney
#CreditChat

19. Chasing interest rates. Some people want to take advantage
of that 0% intro rate, but forget transfer fees and other costs.
Tweet by @LeslieHTayneEsq
#CreditChat

20. Don’t spend time cleaning up your credit and then make a huge
credit card purchase. Try to keep balance less than 30%.
Tweet by @TurboTax
#CreditChat

21. Wednesdays | 3 p.m. ET
#CreditChat
What are ways to build a good credit history?

22. Make sure you pay everything on time and do not
max out your credit cards.
Tweet by @creditscoop
#CreditChat

23. Try to keep your oldest lines of credit open.
Closing them could hurt your score.
Tweet by @RAHomes
#CreditChat

24. Wednesdays | 3 p.m. ET
#CreditChat
How often should people be checking credit
reports? And what should they look at?

25. Check your credit report at least once a year and make sure
everything from name and address to pay history,
Tweet by @creditscoop
balances and inquiries are correct.
#CreditChat

26. If you’re thinking about making a big purchase, like a home,
request a copy of your credit report a few months in advance.
Tweet by @TurboTax
#CreditChat

27. You should check your credit report at least once a year.
You get a free one each year. Take advantage.
Tweet by @DebbiKing
#CreditChat

28. Wednesdays | 3 p.m. ET
#CreditChat
What should you do if you find an error
in your credit report?

29. Immediately contact the creditor reporting the info and file
a dispute with the credit bureau who reported it.
Tweet by @LeslieHTayneEsq
#CreditChat

30. Wednesdays | 3 p.m. ET
#CreditChat
Any last minute tips for those looking to
rebuild credit?

31. If you cannot afford to pay the entire credit card balance,
then don’t use the card.
Tweet by @BahiyahShabazz
#CreditChat

32. It doesn’t take much to trash your credit,
Tweet by @LeslieHTayneEsq
but it does take a lot to restore it.
Fixing your credit takes time and patience.
#CreditChat

33. #CreditChat
Wednesdays | 3 p.m. ET
Check out all the resources and tips shared:
ex.pn/creditscore

34. #CreditChat
Wednesdays | 3 p.m. ET
Join Us Every Wednesday at 3 p.m. ET.
bit.ly/join-creditchat

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