#1) Make timely payments: Make sure that your payments are on time for all your credit accounts, including loans, credit cards, and lines of credit. Late payments can have a significant negative impact on your credit score and the health of your tradelines.

#2) Keep balances low: Aim to keep your credit card balances low relative to your credit limits. High credit utilization can signal financial stress to creditors and may negatively affect your credit score. Strive to pay off balances in full each month if possible.

#3) Manage credit reports: You might be surprised how often your credit reports contain wrong information. Regularly review your credit reports from all three major business credit bureaus to check for any errors or inaccuracies. Dispute any discrepancies promptly to ensure your credit information is accurate.

#4) Use credit wisely: Avoid opening unnecessary credit accounts or applying for multiple lines of credit within a short period, as this can indicate financial instability to creditors. Be strategic about applying for new credit and only take on debt that you can manage responsibly.

#5) Maintain account activity: Even if you’re not actively using a credit account, consider making small purchases periodically to keep the account active and prevent it from being closed due to inactivity. Closing accounts can reduce your available credit and potentially harm your credit score.

#6) Communicate with creditors: If you’re facing financial difficulties that may affect your ability to make payments, communicate with your creditors proactively. Many creditors offer assistance programs or flexible payment options that can help you avoid negative consequences such as late fees or credit score damage.

SAMSUNG TABLETS

• A SCREEN EVERYONE WILL LOVE: Whether your family is streaming or video chatting with friends, the tablet brings out the best in every moment on a 10" LCD screen

• POWER AND STORAGE FOR ALL: Get the power, storage and speed your family needs with an upgraded chipset and plenty of room to keep files — up to 128GB of storage; A long-lasting battery lets you go unplugged for hours to keep the family fun going

• CHARGE FAST, POWER FOR HOURS: Go for hours on a single charge and back to 100% with the fast charging USB C port; Battery life may vary depending on network environment, usage patterns and other factors

• GALAXY ECOSYSTEM EXPERIENCE: Open up a new world of convenient possibilities with the Galaxy ecosystem experience — your devices, including your phone, laptop computer, and tablet, all automatically talk to one another seamlessly

• YOUR NOTES, ALL IN ONE PLACE: Do more with your notes with Galaxy connectivity that automatically syncs everything from to-do lists to school work, whether you’re on your tablet, phone or watch

• KIDS DIGITAL LEARNING: Children can enjoy access to Samsung Kids, a library of safe and fun games, books and videos that are kid friendly and parent approved

• EASIEST. TRANSFER. EVER: No matter what operating system you're using, Smart Switch makes it a breeze to move your data and favorite files in three easy steps

APPLE iPADS

• Versatility: iPads can be used for a variety of tasks, such as reading, watching videos, playing games, and creating documents. 

• User-friendly interface: iPads are known for being intuitive and easy to use for people of all ages. 

• App ecosystem: The Apple App Store has a large selection of apps designed for iPads. 

• Integration with other Apple devices: iPads can sync data, share files, and make phone calls with other Apple devices, like iPhones and MacBooks. 

• Multitasking: iPads allow users to work with multiple apps at once using Slide Over or Split View. 

• Cellular capability: iPads can connect to the internet using cellular data, even when Wi-Fi is unavailable. 

• Security features: iPads offer remote device management (RDM) features that allow administrators to track and lock lost devices. 

• Bright screens: iPads have bright screens that are good for watching content at high resolution.