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Published December 17, 2020, 8:57 PM By every measure, this is a year like no other. The last 12 months have seen an unprecedented series of disruptions, prompting us to adapt to multiple changes in lightning fast speed. As we head into the last few weeks of 2020, the holiday season while a tad different serves as a warm reminder of all the things big and small we should be grateful for. As the holidays inch closer, Security Bank helps us focus on the good and make giving a lot easier this Christmas season. Celebrating and gift-giving with family and friends Many of our plans might have been put on hold, but who says that reconnecting with our loved ones has to be one of them?
but accumulating a little points -- we use a credit card for business for travel. when we travel to -- we -- get airline miles. cop fusing -- confusing your life is hard. and when kids are starting out and need to establish credit, we say get a secured line of credit, security credit card $500 in the bank. establish credit. but don't go crazy with credit cards. it's not worth the hassle and the risk when credit card companies can jack your rate from 10% to 30%. >> neil: they make them so intriguing. i'm going to charge anyway but i get points back and i can buy ipod or whatever. some people say, well, i guess two wishes in one. >> you do, but then you got the
frequently as possible, also doing things such as getting a security credit card for those individuals who don't have a sound credit history. so all of these things are things we need to consistently do to make sure woor we're boosting our foboost ing our fico score. >> the roman's numeral for you today is seven years. seven years is how long one missed payment, one missed payment on a credit card, mortgage, anything, will stay on your credit report. paying your bills on time, greg, the very big important one for keeping the score up. >> it really is. that that is the single most important factor in your credit score. and i think the good news there is that poor credit isn't forever. those past missteps carry less weight with the passage of time. so if you are paying your bills on time and paying down your debt over time as ryan noted a moment ago, those two factors constitute 2/3 of your credit score, you're taking two big steps in the right direction. >> i've asked the folks at fico before, what can i tell people about how to move this score up