• Continue making your mortgage or rent payments
• Stay current on all existing accounts
• Keep working at your current employer
• Keep the same insurance company
• Continue living at your current residence
• Continue to use your credit as normal
• Call us if you have any questions



• Make any major purchase (car, boat, fur, jewelry, furniture, etc.)
• Apply for any new credit (even if you seem pre-approved)
• Pay off charges/collections without discussing with us first
• Close any credit card accounts or change bank accounts
• Max out or over charge your credit card accounts
• Start major home improvement projects
• Finance elective medical procedures
• Open a new cell phone account