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Keep your credit score high by avoiding these mistakes

Have you checked your credit score lately? Although most people know that their credit score is very important, many people make several decisions that hurt their score. Sometimes, these things are obvious, but there are some mistakes people make that they might not even be aware can hurt them. That's just one of the reasons it's important for everyone in the Tampa area to keep a close eye on his or her credit score.

Having a good credit score can make a difference when a person wants to finance a purchase. On the other hand, a low credit score can really hurt a person. There are a few things one can do to help keep his or her score higher. First, one should be sure to pay his or her credit card debt on time. It's also very important to try to keep one's credit utilization ratio on the low end. This is the percentage of credit one has available compared with how much he or she owes.

It’s also a good idea to avoid opening or closing several different credit card accounts at the same time. Either of these acts can dent your credit score. Meantime, despite what one might think, a person’s spouse’s financial decisions can hurt the other spouse’s credit score. Make sure that all joint accounts are handled responsibly, or it could hurt you.

These are just a few of the tips that you should remember about your credit score. It’s also a very good idea to review your score often. On the other hand, if your credit score is already very low due to serious debt and financial troubles then you might want to seek the help of an experienced bankruptcy attorney.

Source: The Fiscal times, “5 easy ways to ruin a perfect credit score,” Beth Braverman, Mar. 24, 2014

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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