Late payments incur fees and lower credit scores. Phone alerts, calendar notifications, and automatic payments can help you meet payment deadlines.
The duration of your credit history affects your credit score. Keeping these older credit cards open and responsibly using them will boost your credit score.
Customizing your credit limit can help you manage your credit use ratio and boost your credit score.
Use debt wisely and only borrow what you can afford to repay. Paying off loans before applying for new ones can boost your credit score over time.
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Regularly monitoring your credit report lets you find and challenge inaccuracies, which can boost your credit score by accurately reflecting your creditworthiness.
Having a broad credit history, including credit cards, loans, and mortgages, can improve your credit score.
Apply for a variety of credit accounts to build a broad credit profile if you don't have much. Take up only the credit you need and can responsibly manage.