It can take years to build up your credit score. Here are some good credit score habits to keep in mind.
- Maintain a low credit balance. Maxing out credit lines will lower your score.
- Pay your bills on time. Setup auto-pay for reoccurring bills.
- Limit hard credit inquiries. Inquiries stay on your report for 2 years.
- Don’t close unused credit cards, unless they cost you in annual fees.
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