What are some things you can do on a regular basis to maintain a strong credit score?

The more you know about what goes into your credit score, the easier it will be to maintain a good one. Five key pieces of information are used to calculate your credit score — your payment history, level of debt, credit age, mix of credit, and recent credit. But, not everything financial affects your credit score. For example, checking account overdrafts and utility payments won’t automatically help (or hurt) your credit score. More 

That goes for all your bills, not just your credit cards and loans. While certain bills don’t get reported to the credit bureaus when you pay on time, they could end up on your credit report if you fall behind. Even a small library fine could wind up on your credit report if it's left unpaid. Continue to pay all your bills on time to maintain a good credit score. More 

The higher your credit card balance is, the worse your credit score will be. Your credit card balance should be within 30 percent of your credit limit to maintain a good credit score. That’s $300 on a credit card with a $1,000 credit limit. Charging more than 30 percent of your credit limit is risky even if you plan to pay off the balance when your billing statement comes. Card issuers typically report the balance when your statement closes and if that's a high balance, your credit score will be affected even if you subsequently pay your balance in full. More 

Credit card balances aren’t the only accounts that influence your credit score. Loan balances and lines of credit also impact your level of debt (30 percent of your credit score). Having too much debt can cost credit score points and make it difficult to afford your monthly payments. The lower your debt, the easier it will be to maintain a good credit score. More 

When you close a credit card, your credit card issuer no longer sends updates to the credit bureaus and the credit scoring formula places less weight on inactive accounts. After 10 years or so, the credit bureau will remove that closed account's history from your credit report. If the account was an old one (which it would be after 10+ years), losing that credit history will shorten your average credit age and cause your credit score to drop. More 

Each time you apply for credit — whether a credit card or loan — your credit score takes a small hit. Credit inquiries are only 10 percent of your credit score, but if you have a high credit score (say 800), you stand to lose a lot of points (10 percent of 800 is 80). Opening a new credit account also lowers your average credit age (15 percent of your credit score). To maintain a good credit score, you should open new credit sparingly. More 

Just because you do everything right with your credit doesn’t mean everyone else will. Errors could end up on your credit report leading to a drop in your credit score. Identity theft and credit card fraud can also lead to inaccurate information on your credit report. Checking your credit report throughout the year lets you detect these mistakes sooner so you can correct them and maintain a good credit score. 

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clearcutting reproduces a new even-aged stand by completely removing the mature stand.

clearcutting as a silvicultural treatment has several characteristics:

it causes a sudden environmental change

it removes the seed source from the regeneration area

the configuration of the clearcut may affect seed dispersal

it begins a new rotation

it will eliminate some pests that require forest cover

overall, it temporarily removes the forest cover, transforming the forest community and environment.

clearcutting followed by artificial (seeded or planted) regeneration has several advantages:

we can avoid delay in restocking the site

we can introduce a selected species, seed source, and genotype

we can control arrangement and spacing

we can achieve uniformity in the new stand

we can overcome the problems associated with securing sufficient natural regeneration.

the shelterwood method involves the removal of most of the mature stand at the end of the rotation, but a portion of the mature stand is left standing.   the shelterwood method serves three basic purposes:

to prepare the stand for production of abundant seed

to modify the environment in a way that promotes germination and survival of the selected species

to build up the amount and size of advance regeneration to ensure the prompt restocking of the new stand following overstory removal.

the shelterwood method involves a sequence of 3 cuttings:

preparatory cuttings: make the seed trees more vigorous and set the stage for regeneration. see our thinning page for more information.

establishment/seed cuttings: open up enough vacant growing space to allow establishment of the new regeneration.

removal cuttings: uncover the new crop to allow it to fill the growing space.

the residual trees in the shelterwood must:

be sturdy and windfirm

be able to survive exposure

flower and reproduce seed

be the best trees of the mature stand

keep in mind that the shelter trees must not occupy the entire site.   a void must be created in order to make room for the new regeneration. the amount of shelter to leave will depend on the following factors:

species characteristics (seeding and shelter requirements)

the number of cuttings in the cutting sequence (1, 2, or 3)

landowner objectives

the size of the area to be regenerated

the final removal harvest level required to be profitable

the shelter must be removed before it impedes the growth of the new stand or threatens its survival.