WWW.BLUEWATERCREDIT.COM (916) 315 - 5190 contact@bluewatercredit.com 10 TIPS TO IMPROVE YOUR SCORES Keep your credit card balances 1 - 10% of the limits. Only apply for new credit when necessary. Bring any past due accounts current. Do not close your accounts with long payment history. Open a secured credit card with your bank or consider THIS OPTION Be added to as an authorized user to an old credit card with a low balance and no missed payments. Settle your collections for deletion. Check your credit report on a regular basis for ID theft or errors at www.annualcreditreport.com Remove yourself as an authorized user from any credit cards with recent missed payments. Set up a risk - free consultation with Blue Water Credit. (916) 315 9190