Timely payments show lenders you’re responsible. Ensure your bills (loans, credit cards, utilities) are paid on time!
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Aim to use less than 30% of your available credit. High credit utilization can harm your score.
A healthy mix of credit (loans, credit cards, etc.) helps your score. Avoid too many credit cards or loans at once.
Regularly check your credit report for errors or fraudulent activity. Dispute mistakes to improve your score.
The longer your credit history, the better your score. Keep older accounts open, even if you don’t use them often.
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