![]() ![]() Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. ✞xtra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. This Card can be used everywhere Debit Mastercard is accepted. (Member FDIC), pursuant to a license from Mastercard International. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank, N.A. ![]() The Aligned Company d/b/a Extra (“Extra”) is a technology company, not a bank. If you can, try to set up auto pay with all of your credit lines when possible. Last but not least, If you had a missed payment on your credit report before signing up for Extra, it’s going to take some time to recover from it, but maintaining positive payment history with all of your other payments, including your Extra Card, can help.If you have to spend more than 30%, pay it off before your payment due date if you can, this should reset your utilization before the billing period is over. This is one of the things that can make your credit score fluctuate month to month even if you’re doing everything else perfectly. Try to avoid spending more than 30% of your available credit on any given credit line.For your credit lines that aren't in good standing, pay them off and also keep them open, length of credit history matters! For your credit lines that are in good standing, try to keep them open, even if you’re not using them. Lenders like to see as much positive payment history for as long as possible.Average age of all credit lines longer is better It will be hard for your credit to grow until you resolve any collections activities.Ģ. Check your credit report to see who the collections agency is and, if you can, set up a payment plan to take care of this ASAP or, if you don’t recognize the debt, take steps to dispute it. ![]()
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