Good credit takes time to build up, and one mistake can have a severe impact on your ability to get loans. If you currently have bad credit, don’t be discouraged. You can secure your financial future by working to build it back up. With the strategies below and the help of small loans from First Check Cash Advance in Chillicothe, OH, you’ll have a credit score to be proud of in no time.

There are a few simple strategies you can use to slowly, but surely, build your credit over time and qualify for better loans:

• Limit Credit Usage: Credit companies look at the percentage of your available credit that you use each month. When you use most of it each month, companies are concerned you cannot pay them off fully. Try to limit your usage to under 50% of your available credit; below 30% is preferable. 
• Make Payments on Time: This is a simple, but important, tactic. Make all of your payments on time, including car loans, utility bills, and credit card payments. Any late payments will be recorded and negatively affect your credit, while consistent, timely payments will boost it. 
• Pay Credit Card Bills in Full: Your credit card will require a small minimum monthly payment. While it may be tempting to just make the small payment, make sure you pay off the full balance each month. Any debt you are unable to pay back will negatively affect your credit. 
• Let Your Accounts Age: Like a good wine, credit only gets better with age. Keep your older accounts open rather than closing and reopening them. A few years after you close the account, the credit reporting companies will drop it from your report. 

When you do have unexpected expenses, a cash loan from First Check Cash Advance in Ross County can help you stay ahead of your finances. Contact them at (740) 779-9093 to speak with a helpful representative about their loan options. Visit them online for a full list of their services, including their payday and title loans.