Maintain a “Credit Worthy” Face

Bankers have their own rules of thumb for evaluating your creditworthiness. Make sure none of the following is part of the “face” you present to your banker.

You show up on the wrong lists... checks drawn on uncollected funds, overdraft accounts and large transactions, or past due loans, loans with incomplete collateral documentation, and late financial statements.
You act as though you always need cash... through frequent requests for small loans to cover incidental expenses, or carrying large balances on high-interest credit cards.
You make one change too many... by changing your mind too often in your bank dealings.
You look a little “rough around the edges”... by not keeping both your financial and personal demeanor in shape.

If any of these situations sounds uncomfortably familiar, you should start on a regimen to change now before you need to seek any type of bank assistance.

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