Tips for Keeping Good Credit

Working in the home building industry, I have seen many people who have been held up from building their dream home, simply because their credit scores were too low. McArthur Homes has recently teamed up with Nitro Credit to help our homebuyers improve their credit scores. We are offering FREE CREDIT REPAIR to those who purchase a new McArthur Home.

Here are a few tips from Nitro Credit on how to keep good credit. I'll also be posting tips and ideas for building and repairing credit, so check back!


 It is very imperative that you continue to work to keep your credit scores high. A lot of people work hard with credit restoration companies and are able to get their terrible credit back in a place where they want it to be.

The trouble happens when the customer falls back in to their bad habits. They don’t maintain the good credit that they achieved through credit restoration. This can be very frustrating, especially to customers that really worked hard to achieve credit restoration. Here are some tips for helping maintain good credit once you restore it.

1. Stay on top of the amount of debt you have. Your credit card balance needs to stay 25% below the limit ideally. It is a good rule of thumb to remember to only charge what you can pay off every month.

2. Take advantage of bills that have the automatic pay option. This allows the deductions to come out right after you receive your paycheck. That way you aren’t late, and you know you have the money to cover the bill.

3. Don’t put up a lot of credit inquiries. Keep it down to a minimum. You may be used to applying for a few different lines, but stop that habit now. Only apply for lines that are essential and that you know you can pay off.

4. Pay your bills on time. You know this is important, but make a plan to get it to happen. Set up the automatic pay option, mentioned above, or make notes on your calendar when your bills are due. If you are forgetful, set up multiple alarms throughout the day so you don’t forget.

5. Don’t accept every credit offer that comes your way. Be picky about what lines you use. You want to be sure that you actually need it and know you will be able to afford it and pay it back.

6. Be smart and safe about your credit. Credit can quickly be ruined by others through identity theft. Be sure to have identity theft protection measures to prevent this from easily happening.