itb credit comic strip
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- Max, I am trying to get a loan for a car but I don't know if I can because of my credit score!
- Why does that matter?
- In the event that you have got a bad credit score the bank expects that you can't make steady installments on the cash you owe. It moreover depends on how much cash you spend on your credit cards..
- Oh, I didn't know that. Are there any ways to avoid bad credit?
- Yes! Some ways to avoid a low credit score are paying back your debts on time, avoid maxing out your cards and avoid opening up too many cards.
- Good to know, what should I do if I already have a low credit score?
- Yes! although it may be hard to fix it, you can do it! you can improve your credit score by making payments on time, having a steady income, and making payments on all of your credit cards versus just one.
- Are there any actions that could hurt your credit score?
- Some things that hurt credit scores are late or missed payments, too much credit in use and a short credit history.
- Okay, I have one last question, how do I check my credit score?
- You can check your credit score on websites like Equifax, Experian and TransUnion.
- Thank you so much Sam for teaching me about credit score, I will be sure to check my credit score when I get home!
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