Keeping your credit healthy after you reach your goal

Simple habits that protect the progress you made.

Keep the basics

Pay every bill on time, set up autopay for at least the minimum, and keep card balances low compared with your limits.

Check your reports

You can get free reports from all three bureaus at annualcreditreport.com, now available weekly. Check them a few times a year and before any big application.

Protect your file

Consider a credit freeze, set up account alerts, and watch for accounts or inquiries you do not recognize.

Think before you change things

Keep older cards open when you can, space out new applications, and avoid taking on new debt right before a major loan, such as a mortgage.