Detox Your Credit File

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To help keep your credit file squeaky clean for when you really need it, here are some don’ts:

  • Don’t pay a debt more than five days late
  • Don’t shop around for credit cards and store leases when you don’t need them
  • Don’t forget to contact your lender to renegotiate your loan repayment terms if things become difficult.

These things can have a negative impact on your credit score and could make the difference between being approved for a loan/credit card or not. The credit environment the Banks operate in means we have to be proactive in order to protect our credit file.

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