In order to have a credit score, you must have activity on your credit report. If there is no activity on your report, you cannot get a score. That’s why it’s important to have some type of activity every month. Activity does not mean you need to go into debt. You can make a small purchase every month and that is considered activity. Other factors you want to consider…

Keep Utilization Low: One of the most important components of your credit score is utilization. Keep it low so your score won’t drop.

Pay On Time: The most important part of your credit score is a history of on-time payments. Pay your bill on time by setting up automatic payments. Also, do your best to pay your balance in full.

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