NVB MyCredit, available through NVB Online and Mobile banking, is a free service to help you understand your current credit score, provide access to your full credit report, monitor changes and learn how to improve your score.

Improve your Credit Score

A few tips to get started:

• Pay bills on time

Paying the minimum monthly payment or more on or before the due date can have a positive affect on your credit score. Conversely, late payments can lower a score.

• Pay down credit card balances

Maintaining low credit balances illustrates you are not overwhelmed with debit.

• Keep accounts with good credit history open.

Closing seldom used credit lines with good credit history might negatively impact your score.

• Check for reporting errors

Checking your credit report on a regular basis helps prevent errors and identity fraud that might hurt your credit history and score.