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Maintain a Healthy Credit Score

How to Maintain a Healthy Credit Score - Having a Healthy Credit Score Matters!

Your credit score is a simple three-digit number that can have a massive impact on your financial life and decisions. A poor credit score can affect where you can live, interest rates on loans, the type of car you can buy, your insurance rates, and much more. That’s why it is so important to keep your credit in good standing. We’ve compiled a list of tips you can keep in mind in order to maintain a healthy credit score. Remember, if you need credit repair assistance, simply give New Credit Life a call! We’re ready to help. 

Once you’ve gotten your score into a nice, comfortable place, it’s important that you don’t let up. One or two bad moves can make your score freefall back down, so you’ll need to be vigilant and take steps to protect your score. Check out our tips for maintaining and supporting your score after repair. 

You should check your score as frequently as possible, especially after actions that would likely affect your score like applying for new credit or making a big purchase. Checking your score may be anxiety-inducing, but it’s important that you keep track of your credit. 

Your credit-utilization rate is the amount of credit that you are using in relation to your total credit amount. A high credit utilization rate will likely have a negative effect on your credit. Try to keep the balances on your credit lines low to keep your credit utilization rate down. 

Are you paying your credit once per cycle? If financially possible, try to pay on your credit more frequently and bump up your payment amount slowly.


Once you’ve paid off a big debt, you may be tempted to just close the account. However, if it’s one of your older accounts, closing it may cause a big hit to your credit. This is because having a longer credit history is beneficial to your overall score, and closing old accounts will affect your score.

If you’re worried about misusing your credit line, try to come up with creative ways to abstain from overusing your credit while keeping the line open if possible.

This one may seem like a no-brainer but it is crucial to keep your credit score up. Missing payments is one of the most sure-fire ways to tank your score, so try to pay on all of your accounts on time and even early if possible, to avoid missing payments and harming your credit.


Often, one of the first things that people will do when they look to improve their credit is to apply for new credit. However, that application for new credit can actually harm your credit in the short term? Credit inquiries will affect your credit, though it’s normally minor and temporary.

To avoid lowering your credit too much, do your research on the credit card companies that you are looking to work with before you apply, so you aren’t applying for dozens of credit cards in a short time period.

Too often, people will only pay the bare minimum on their accounts, which keeps them in perpetual debt and doesn’t help your credit all that much. Especially if you have a high credit utilization rate, you will want to prioritize getting your debts down, which will slowly increase your score.


For each of the credit reporting companies, there is a specific breakdown that is used to come up with your credit score. By diversifying your accounts, you can provide a better base for your credit score and your finances as a whole.

Just checking your three-digit number is not always enough to adequately check your score.

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Visited many credit services company before but never heard what I needed to hear..Set up an appointment with David and left feeling go about improving my scores. Started at a low 500 and after 3 months my score is high 600..David is wonderful he will get the job done high recommend him .

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I would like to thank David for helping me with my credit he's been an amazing person I've tried repairing my credit with someone else but had no success with New credit life I'm able to purchase my new home! Thank you David for everything you've done.

Albert Morales Google Review

This was my first time ever trying a credit repair I honestly didn’t know where to start, or what to expect. David was so nice and walked me through everything making sure all my questions were answered, immediately he went to work and would check in with me constantly. If anyone is ever interested in looking into fixing their credit, I would definitely recommend him.

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How New Credit Life Can Help

At New Credit Life, we understand that improving and maintaining your credit can come off as complex, but it doesn’t have to be that way. New Credit Life provides credit repair and management services to get your credit score up and keep it there. Contact us today to learn more about how we can help you!