Credit scores often feel mysterious, but they don’t have to be. Understanding what impacts your credit can help you make smarter decisions — especially before applying for a mortgage, auto loan, or home equity loan.

The biggest factors affecting your credit score include:

• On-time payment history
• Credit card balances compared to limits
• Length of credit history
• New credit inquiries

At Prairie State Bank & Trust, lenders regularly help customers review their credit and identify opportunities for improvement.

“Most people are surprised by how small changes can make a big difference,” explains Cassie Kaylor, Universal Banker & Branch Manager. “Paying down balances or waiting before opening new credit can improve loan options quickly.”

Checking your credit early gives you time — time to improve, plan, and move forward with confidence.

“I wish I had checked my credit sooner,” said Olivia R. “Once I did, Cassie helped me understand exactly what to focus on.”

👉 Explore financial education resources at www.psbank.net/tools-for-you/