Improving Your Credit for 2016

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 2016: 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. Reduce your credit applications: did you know that your credit is affected every time your credit rating is accessed? Which is every time…