WEBVTT

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Let's talk credit.

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Your credit score is like your financial fingerprint.

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Every time you make or miss a payment, it is recorded and reflects your financial habits.

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Your credit score determines the loans and interest rates you qualify for.

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Like a financial report card from credit reporting agencies.

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These agencies evaluate things like credit usage and payment history to give you a three-digit grade.

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Credit scores are a complex topic, but ultimately boil down to this.

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The lower the risk, the higher the reward.

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The higher the number or grade, the lower the risk to lenders.

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The lower the risk, the more likely you are to qualify for benefits like lower interest rates and better loan terms.

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So how do you improve your credit score?

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To give you some better context, here's a little breakdown of what your credit score is graded on.

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One of the best ways is by on-time payments.

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Your payment history accounts for over one-third of your credit score.

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Making payments on time can help boost your score, but late payments can hurt your progress.

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So make sure you plan ahead.

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The longer you pay on time, the higher your score can climb.

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That's where Arivo comes in.

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Our goal is to help good people build better credit.

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The easiest way to do that?

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Automatic payments.

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Simply set them up online or with a representative and never miss a month again.

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And if you're having trouble making your payments, call us.

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Our experts have the tools and knowledge to help with your situation and keep your Arivo account on track.

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Reaching out sooner may help prevent negative impacts to your credit score.

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Arivo Acceptance.

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Helping good people build better credit.