Tips to improve your credit score

• Always pay your monthly bills on time.

• Using credit wisely is the only way to “build” credit.

• Do not max out credit cards. If you owe more than 25 percent of your credit limit, your credit may begin to fail.

• Make more than your minimum monthly payment.

• Monitor your credit regularly.

For more helpful credit resources, visit www.wellsfargo.com/smarter _credit and www.credit wellness.us bank.com.

— Sources: US Bank Brainerd and Wells Fargo.