• No
• The more established your credit is, the less your score will be affected, if at all
• When scores are slightly affected, it only temporary & bounces back quite quick

• Make payments on time
• Use less than 35% of your total limit
• Increase your number of trade lines in which you can manage
• Increase credit history length
• Use different types of credit
• Pay down high interest debt with low interest debt – I.E Your “Mortgage”

Use the 2-2-2 rule

• 2 trade lines
• $2,000 limit each
• 2 years each minimum

Use each credit line & try not to carry 40% or more of your limit month over month without paying it down

• With our pre-approvals, we only pull your credit one time to ensure maximum credit.
• Credit reporter will also allow you to have a certain number of hard pulls per individual each calendar year, without hurting your overall credit score.
• Checking your credit will not negatively affect your score unless you already have underlining credit concerns like late or missed payments.
• In this case, your score will still not be impacted, and we can work with you to help establish stronger credit practices for your future.

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