During the holiday season, most of us are busy making lists and checking them twice. We’re thinking about all the shopping, cooking, hosting, and traveling we still have on our plates. We want to make sure we schedule the time off we want, mostly so we can squeeze in some extra gift-wrapping to help Santa. This season is a time of yuletide cheer, but in the hustle and bustle of the holidays it’s easy to overlook one of the key factors in being able to truly relax: a good credit score.
Unfortunately, no matter how many letters we write to Santa, a good credit score won’t just appear under the Christmas tree, even if you were really, really good this year. So, what’s the best thing you can do? Protect and take care of that credit score yourself. Here’s a couple quick tips on how to do so during this high-spending season:
- Pay your bills on time.
On-time payments are so important to both maintaining and raising your credit score. Make sure to pay them in full by the due date. This will help you protect your score AND avoid extra fees during a month when you’re already spending extra.
- Careful of those new credit inquiries.
The holidays are a super popular time for promotions and zero-percent financing when signing up for a new card. If you make the choice to apply for a new card, just know that inquiries on your report can impact your score. Weigh the pros and cons of signing up for a new card to make a large purchase you might not really need.
There are so many factors in play when calculating your credit score and a myriad of strategies for managing your credit, payments, and the improvement of your score. Don’t forget that your credit score is here year-round, not just December, and you’ll be doing yourself a big favor by protecting it properly during the holidays.
If you want to learn more about how to protect and improve your credit score, reach out to us at ASAP Credit Repair at www.asapcreditrepairusa.com to get started. Our team of credit repair specialists would be more than happy to help you out!