By: Tradeudhaar.com
Obtain a free copy from each of the three major credit bureaus annually at AnnualCreditReport.
Timely payments show responsibility and positively impact your credit score.
Aim to keep credit card balances below 30% of your credit limit to improve your score.
Multiple inquiries can lower your score. Apply only when necessary.
Long-standing accounts show a longer credit history, boosting your score.
Mix credit cards, loans, and mortgages to demonstrate responsible borrowing behaviour.
Dispute inaccuracies in your credit report promptly to prevent negative impacts on your score.