DAYTON, Ohio (WDTN) — Eric Gagliano with River Valley Credit Union shared how you can keep your credit score in good shape.

According to Eric, your credit score tells companies how big of a risk you are. The two main factors that go into a credit score are the following:

  1. How consistently you pay your debt
  2. How much debt you have for your income range

A good credit score is above 700, said Eric. A score of 650 is fair but lower rates come with a higher score!

Eric shared a few tips on keeping your credit score up:

  • Pay bills on time
  • Use of credit – Lightly use and consistently pay
  • Pay debt in full if possible

For more information, watch the video above!

*This segment is sponsored by River Valley Credit Union.*