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itb credit comic strip

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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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