Credit Scores play an important role for lending institutions, banks and credit card companies when determining whether to lend money, fund a loan or provide a credit card or line of credit to a particular person and better yet, what terms they will provide to you. In most cases, the better your credit score and history is, the more favorable terms you will receive on your new credit you are seeking. Here are a few tips on how you may improve your credit scores.

Keep your credit card balances below 50% of your max credit limit

Credit cards or lines of credit that are maxed out or near your credit limit can hurt your credit score. If possible, try to keep your balances below 50% of what your maximum credit limit may be at any given time.

Check your credit report

Credit card companies, finance companies and most other lending institutions all report your payment and credit history to the credit bureaus. In some cases, there could be inaccurate information that was reported to the bureaus that could be impacting your credit scores. Keeping up and staying up to date with what is being reported on your credit will help in ensuring everything is accurate and correct.

Reduce the amount of debt you owe

Carrying large Credit Card debt balances or unsecured debt balances can impact your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.

If you find yourself struggling with credit card debt, Brownstone Law Group, PC. may be able to assist you. We are a local law firm based in Orange, California and have several years of experience in helping consumers get out of debt. Call us today for a free consultation and find out how we can help you to become debt free. Call 855-743-2368 or visit our website at

This article has been reviewed and approved by Thomas A. Moore, managing attorney Brownstone Law Group, PC. California Bar # 148698. This article is for informational purposes only, does not provide legal advice of any kind or form any type of attorney/client relationship.


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