Jones Tax & Financial Solutions

Jones Tax & Financial Solutions Contact us for all your tax and accounting needs. We also offer mobile notary services.

*Credit tip*💳 Payment history makes up 35% of your credit score. Pay on time, every time. It matters.Want a better credi...
07/31/2026

*Credit tip*

💳 Payment history makes up 35% of your credit score. Pay on time, every time. It matters.

Want a better credit score? Start with on-time payments. Payment history is the biggest factor.

Your payment history speaks louder than anything else. Stay on time and watch your credit grow. 📈

35% of your credit score comes from payment history. One habit can make a big difference—pay on time.

Good credit starts with good payment habits. Never underestimate the power of paying your bills on time.

Credit utilization Matters More Than Most People ThinkYour credit utilization ratio makes up about 30% of your credit sc...
05/07/2026

Credit utilization Matters More Than Most People Think

Your credit utilization ratio makes up about 30% of your credit score, making it one of the biggest factors lenders look at.

What is credit utilization?

It’s the percentage of your available credit that you’re currently using.

Example:

Credit limit: $10,000
Current balance: $3,000
Utilization: 30%

Why does it matter ?

High utilization can signal financial stress to lenders, even if you pay on time.

Under 10% = Excellent
Under 30% = Good
Above 50% = Risky
Maxed-out cards can hurt your score quickly

Tips to improve utilization

✅ Pay balances before the statement date
✅ Keep old credit cards open
✅ Request higher credit limits
✅ Spread purchases across multiple cards
✅ Avoid maxing out cards

A lower utilization rate can help improve:

Credit score
Loan approvals
Interest rates
Financial flexibility

Your credit limit is a tool — not a target.

Address

Birmingham, AL
35217

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 12pm - 6pm

Telephone

(205) 529-5493

Website

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