Do you know your #creditscore? Do you know how it’s calculated and what it means? Your score is determined by many factors. Basically, if you pay your bills on time, don’t overuse your credit, and don’t ignore any delinquent accounts, your score will rise. Have a variety of credit, and keep your older cards open. Your score affects just about everything, from insurance rates and employment to loan/mortgage rates and eligibility. Try to pay more than the minimum payment on your credit cards and look into a debt consolidation loan to get your balances down faster!