How can I improve my credit?

The best way to improve your existing credit is to pay all of your credit card and loan payments on time. This means the payment needs to be received by the lender or creditor on or before the due date. Late or missed payments will be seen as a sign that you may have trouble handling credit. 

Do not use the entire credit limit on your credit cards or other lines of credit. Maxing out your cards has a negative effect on your credit score. 

Do not borrow more than you can afford to re-pay.   

Check your credit report to see that the information on the report is correct. 

If you do not have any credit, opening a loan at Citizens or another lender or creditor will help you establish credit.