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Know the score

Tips offered to maintain good credit

Wellness credit reports
Experts recommend checking your credit report annually for errors.

Credit scores play an important role in your financial well-being. Do you understand how they work?

Banks and other lending institutions use scores to determine whether to extend credit to individuals and at what rates.

Credit scores range from 300 to 850. “Good” credit scores are in the high 600s through the 700s. Scores under 600 are often problematic.

To maintain a good score, experts offer these tips:

  • Pay your bills on time.
  • Keep credit card limits at 30 percent of the maximum limit.
  • Don’t cancel credit cards.
  • Check credit reports annually for errors.

You can obtain a free credit report every 12 months through, a site maintained by the main credit bureaus.

The LiteBlue Wellness page has additional information on managing your finances.

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