1. Limit Credit Checks: Limit the annual number of credit checks to three or four at the most. More credit inquiries implies you are in trouble and will lower your score.

2. Pay Your Bills On Time: It represents your moral fabric that you take your credit responsibly and seriously. As well, financial institutions do not need headaches by chasing you down for a payment.

3. Keep Your Balances Down: Keep your balances at 75% or lower than their limits. When your balances approach their  limits, it signals that you are in trouble and the score gets penalized lower.

4. Time: apply the above three principles over at least one year and you will have your credit score zooming to the moon!!!

Robert can be contacted at 905-574-9200 Ext. 215 OR by email at mortgages@robertfloris.com. You can fill out an application online at https://application.malink.ca:8112/App/MARC/FLORISR/en-ca/1896 with absolutely no pressure and no obligation.

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