Vivix Credit Solutions knows how important a good credit score is to securing financing, housing, and even employment. Although it seems unfair, your ability to be a responsible human being is often determined by your credit profile alone. If you are struggling with making on-time payments or are perhaps buried in too much debt, Vivix Credit Solutions can offer you the credit counseling and services you need to get back on your feet. Protecting your credit score is best done through professional credit coaching, so call their credit specialists today.

One of the most important – and easiest – ways to protect your credit score is to request your credit report and become familiar with what’s on it. As you understand the reporting process used by creditors, you will begin to see how important your on-time payments are and the role that credit inquiries plays in determining your FICO score. Vivix Credit Solutions recommends reviewing your credit profile yearly to check for inaccuracies, which may also be inadvertently bringing down your credit score due to errors in reporting or fraudulent activity.

Credit counselors and coaches are a great source of information for consumers who continue to struggle with credit issues. It’s very important to keep your credit profile and score healthy, even if you don’t think you will be opening any credit accounts anytime soon. You never know when an emergency situation will come up and the only access to credit you can get requires good credit. Vivix Credit Solutions offers a full array of credit coaching and repair services, and regardless of the credit challenges you are facing – they are ready and willing to help you today.

At least one of the top three major credit bureaus offers enrollment into credit report and identity theft protection programs. While you can receive a copy of your credit report once per year for free, these types of programs help if you need to see on a monthly basis how your score is responding to small changes you are making towards a better credit profile. Vivix Credit Solutions can help get set up with a monitoring program that’s right for you so that you are not paying for services you don’t need. Ask one of their credit experts for a recommendation.

Above all else, it’s very important to keep paying your bills on time every month. Because the credit bureaus track your payment history for a full 24 months, paying your bills on time for just a few months is not going to give a full boost to your credit score. Even just a few 30-day payment delinquencies can bring your score down, but 60 or 90-day delinquencies are harder to make up for. Eventually they will “fall off” your report but your best bet if you think you will be late on a payment is to call your creditor and ask for a one-time extension. Follow up with a call to Vivix Credit Solutions and we’ll help you avoid further trouble making your payments on time.