Pay on time, every time
Payment history is a major credit factor.
- ✓Set autopay for at least the minimum due.
- ✓Keep a buffer so autopay does not overdraw your account.
- ✓If you miss a payment, catch up as soon as you can.
Good credit is not required for many Advance America products, but stronger credit habits can open more options and lower costs later.
Keep utilization reasonable
High balances relative to limits can hurt scores.
- ✓Try to stay under 30% of available revolving credit.
- ✓Pay down balances before the statement closes when possible.
- ✓Avoid opening many new accounts at once.
Check your reports annually
Errors can hold you back.
- ✓Review free annual reports from the major bureaus.
- ✓Dispute inaccurate late payments or accounts that are not yours.
- ✓Monitor for unexpected hard inquiries.