Every relationship takes work. While we all want the love to be there when we need it, ignoring your relationship, even just a little, can spark the beginning of the end.  The same is true for your relationship with your credit.

Here are some ways to keep the love alive and to keep that credit relationship thriving:
 
Be on Time:
Pay your bills when they're due. Whether it's a mortgage, car loan, or credit card, being on time with your payments will keep your report staying strong.
 
Maintain a Healthy Balance:
Maxed out credit will bring down your score. Work to stabilize that healthy credit you've worked for by keeping your balances to 20% of the high limit on revolving accounts.
 
Keeping the Spark Alive:
While having a number of open accounts is good, inactivity on them is not. A healthier credit score depends on using your accounts. To give your report that extra glow, mix it up by pulling out some of those old store credit cards once in a while. 

Taking the Long View:
An enduring credit relationship depends on having long terms credit goals. When you apply for credit, remember you will be building a history with that creditor.
 
Yes, credit is a lot like love. We all want it. We all need it. But it's a two way street, and finding ways to maintain it is the key.

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Jeanne and her Kelly Group provide credit counseling to individuals, businesses and groups. Understanding that maintaining a strong credit report is a lifelong process, they also coach people on managing/monitoring their credit profile.

Bio

Twelve years ago, Jeanne Kelly went from being a new mom in her twenties living in a new house, to a divorced, single mother living in a tiny cottage on her parent's farm. In picking up the pieces of her life Jeanne's first priority was to create financial independence. Her goal was to get her own credit, buy her own car and eventually buy a house.

That quest for financial freedom was quickly dampened by the realization that she had bad credit. The most upsetting thing to her was that she had no idea that her credit was this bad and how it happened. All the goals she had set out for herself felt like pipe dreams.

In search of a job to make ends meet and through a series of circumstances it became a natural transition for her to get a job as a subcontractor for a credit repair company. This experience opened her eyes to what was possible. Jeanne worked hard and researched the credit industry and found out that FICO scoring is the cornerstone to financial freedom. She repaired her own credit reports, increased her FICO score and began her new life (self-directed and in financial control). Thus, The Kelly Group was born, and has since gone on to become one of the most legitimate and successful credit consulting companies in the northeast.

Most recently Jeanne has been heard as a guest on the radio in which the current credit crisis was the topic. She has appeared on The Today Show and also been quoted in several newspapers, magazines and online financial sites such as CNN, Money, and the NY Times.

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