Marcia's Blog

4 habits of people with good credit

The higher your credit score, the less money you’ll pay in interest on mortgages, car notes and other loans.

Your credit score can also affect what you pay for insurance and can even play a role in whether you get a particular job. If your credit score isn’t where you want it to be, don’t feel bad. Just adopt these habits and watch your credit score rise.

People with good credit put bill payment on autopilot. Late payments are unheard of for people with good credit. In fact, they may even pay some bills early. By setting up automatic bill payment you don’t have to worry about forgetting to pay or having your check get lost in the mail.

People with good credit spend less than they make. If you consistently stay under budget, you won’t have to reach for those credit cards. People with good credit keep their credit card balances below 30 percent of the card’s limit. That’s not to say they don’t use their credit cards, but when they do, they make sure it’s an emergency and they try as hard as they can to pay the balance off at the end of the month

People with good credit are slow to open new lines of credit. Just because a department store is willing to offer you 15 percent off if you apply for a credit card doesn’t make it a good deal. Opening that new line of credit may even lower your score. Open a new line of credit only when you need it.

People with good credit monitor their score. Sometimes your credit score can take a dip because of false information on your credit report. You could be paying thousands of dollars in interest because of somebody else’s mistake! To keep your credit report error free, download a free copy of your credit report each year at If there are any mistakes, contact the credit bureau and report them.

The good news is you’re not born with good habits, you learn them. A high credit score is within all of our grasps.