If you’ve established a healthy credit profile over several years, congratulations. You likely have sound credit habits and understand how to put your best credit foot forward. In a sense, you should keep doing what you’ve been doing because it’s probably working. But also consider the following.
Even if you pay your bills on time and don’t use up too much of your available credit, you’ll still want to keep an eye on your credit profile. That’s because unexpected items – like inaccuracies – may show up on your credit report. If inaccuracies appear on your credit report, you’ll want to know as soon as possible so you can act fast (following up with the reporting creditor and/or disputing inaccurate items with the credit bureaus like TransUnion, Experian and Equifax).
If you have healthy credit, it means you’ve used credit wisely, most likely over an extended period of time. Keep using it responsibly. For example, even if you’ve already paid off any student loans, mortgages or car loans, you should still be mindful when opening new lines of credit.
As mentioned above, if you have healthy credit, you’ve most likely maintained healthy credit habits, such as paying bills on time and not taking on too much debt. Don’t drop these good credit habits! Late payments or taking on too much debt may have an impact on your credit health.