Get Credit Scores up -

Credit scores across the nation are going up, yet knowledge of how credit works is declining. Consumers' grasp of credit is the lowest it's been in eight years, per VantageScore and the Consumer Federation of America. For example, only 62% of those surveyed in 2018 knew that everyone has more than one credit score.

The average FICO score in 2018 was 704. Here are some things to keep in mind when trying to raise your credit scores:

• Checking your own credit never hurts it. 
• Opening several credit card accounts at the same time can lower your score.
• Cellular plan providers might use credit scores to price services.

It's important to remeber that credit is all about consistency and keeping your debts as low as possible and making your payments on time. 

Stay on top of your credit 

Checking your scores frequently is a healthy habit and it won't hurt your credit. Another important step to improving your credit scores is checking your credit reports for accuracy. Errors drag down your score, and you can request to have them removed. To check your reports, you can use any of the several free apps or websites available online. Federal law also entitles you to a free copy of your credit report every 12 months from each of the nation's three credit bureaus; you can request them at annualcreditreport.com. Potential employers may check your credit report before hiring you. In most states, car insurance providers can use your score to set premiums.

Credit scores are a cornerstone in determining several costs of the American life. Always make sure you are well prepared by having the knowledge  to do the most with your credit score.