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Credit Union West
Routing Number: 322172153
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5 Ways to Build Healthy Credit History

Building a healthy credit history can save you money.
Your credit history affects everything from your purchasing power to your ability to get a reasonable loan rate or possibly to landing a job. Building a healthy credit history from the start – rather than trying to overcome mistakes later – can save you time, energy and money.

To get an idea of your credit history, lenders will turn to your credit score. A high credit score can make it easier to get a credit card or loan, and may result in the lender setting a lower interest rate. To boost your credit score, remember these tips:

1. Pay your bills on time. Late payments can quickly lower your score and will linger on your credit report.

2. Open credit accounts and use them. The only way to build credit history is to use credit accounts. If you don’t have any credit accounts, consider opening one and learn to use it wisely.

3. Don’t max out your credit cards. Do your best to keep your debt level on your credit and department store credit cards below 30% to avoid lowering your score.

4. Talk to your creditors. Lenders have the ability to change or even lower your interest rate or monthly payment, but you won’t know unless you ask.

5. Try not to open too many accounts too quickly. Each application for a new credit account affects your score. Too many in a short period of time will likely lower your score.

Credit Guide Program

Sit down with one of our credit experts to review your credit report and learn about potential opportunities to improve your score and potentially even save money. Visit a local branch to learn more and get started today.