Improving Your Credit Score for the New Year

With Christmastime upon us and a new year approaching, your credit card may have been pushed to the brink the last couple of months. If you want to start the New Year off with a fresh start and your finances in order, here’s some tips to improve your credit rating for 2015: Pay down credit cards/debts: The number one way to increase your credit score is to pay down your credit cards. Using only 30% of your limits is a good guideline. Limit the use of your credit cards: Racking up a large amount and then paying it off in monthly instalments can hurt your…