• Home
  • Mobile Banking
  • Personal
    • Certificates
    • Checking
    • Savings
    • Additional Services
    • Credit, Debit, ATM Cards
    • Loans
    • Switch Kit
    • Online Account Opening
  • Business
    • Cash Management
    • Business Checking
    • Loans
  • Mortgage
  • Agriculture
    • Real Estate Banking
    • Loans
  • About Us
    • Giving Back
    • Locations & Hours
    • Careers
    • Contact
  • Local Events
  • Home
  • Privacy Policy
  • Contact Us
  • Blog
  • Site Map
Citizens First Bank Logo Log In Click for contact info
Open an AccountOpen an AccountClick for Mobile bankingMobile Banking Click for online banking Online Banking Click for contact info Contact Us
Citizens First Bank Logo
  • Personal
    • Certificates
    • Checking
    • Savings
    • Additional Services
    • Credit, Debit, ATM Cards
    • Loans
    • Switch Kit
    • Online Account Opening
  • Business
    • Cash Management
    • Business Checking
    • Loans
  • Mortgage
  • Agriculture
    • Real Estate Banking
    • Loans
  • About Us
    • Giving Back
    • Locations & Hours
    • Careers
    • Contact
  • Local Events
Citizens First Bank Logo

You are now leaving Citizens First Bank's website and are going to a website that is not operated by the bank. We are not responsible for the content or availability of linked sites.

Citizens First Bank offers links to other third party websites that may be of interest to our website visitors. The links provided in our website are provided solely for your convenience and may assist you in locating other useful information on the internet. When you click on these links you will leave the Citizens First Bank website and will be redirected to another site.

These sites are not under the control of Citizens First Bank. Citizens First Bank is not responsible for the content of linked third party websites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in the linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different than Citizens First Bank policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party websites, please contact the third party directly.

Proceed
Home Blog How To Boost Your Credit Score
Single Post Featured Image

January 29, 2020

How To Boost Your Credit Score

Follow these steps to improve your credit score and unlock lower interest rates.

 

A strong credit score can help you qualify for the best interest rates when you’re looking at buying a home a car, or applying for a credit card or other personal loans. A better interest rate can mean big savings over time. The less money you pay in interest rates, the more you have to meet your future financial goals.

Here are steps to maintain a healthy credit score or improve it over time.

Pay your bills on time.

Avoid missed or late payments on everything from your mortgage to credit card bills to monthly cable bills. Look into setting up autopay for recurring bills to ensure you never miss a payment.

Maintain a healthy ration of available credit to credit balance.

Avoid using all your available credit or keeping high balances on multiple cards or accounts. Try to not let balances exceed 30% of your total credit limit. Also, it is best to pay your balances in full each month to avoid interest charges.

Avoid opening several accounts in a short time.

Only open accounts as needed. It’s best to avoid opening new accounts or making large purchases on credit before other large purchases, like when shopping for a mortgage.

Keep credit cards open, even if you don’t use them.

A long, stable credit history and available credit can boost your credit score.

Check your credit report often.

We recommend checking your credit report at least once every year and before making a big financial move, like applying for a mortgage or car loan. This helps you be certain your report is accurate and free of unusual activity.

A strong, healthy credit score shows lenders that you manage your finances well over a long period of time. It leads to accessing the best borrowing terms in the future. For more information about maintaining good credit or helping improve your credit, stop by your local Citizens First Bank branch, we’re happy to help.

Facebook0
Other posts you may like

6 Ways to Save on Date Night

A memorable and fun date night doesn’t need to break the bank! Whether you’re getting to know a new potential match, or are in an established relationship, dates play an important role in making connections. While an elaborate night out can be an exciting occasion, there are many other date night options that won’t break […]

Other posts you may like

How to Protect Yourself from Fraud

Follow these steps to avoid and prevent financial fraud. Discovering fraudulent activity on your account can be a frustrating experience. While you can’t always stop fraud from occurring, there are steps you can take to minimize it. Here are some helpful tips to help protect yourself from financial fraud: Stay alert while online. When you’re […]

Recent Article


6 Ways to Save on Date Night

February 1, 2023

Recent Article Featured Image

You May Also Like


How to Protect Yourself from Fraud

January 25, 2023

Will Your Retirement Savings Be Enough?

January 18, 2023

5 Common Investing Mistakes to Avoid

January 11, 2023

3 New Year’s Money Resolutions

January 4, 2023

  • Home
  • Privacy Policy
  • Contact Us
  • Blog
  • Site Map

©2023 Citizens First Bank. Equal Opportunity Employer. Member FDIC. Equal Housing Lender.

FDIC logo