Improving a credit score can be achieved through various strategies. Here are two effective ways:
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Make Timely Payments: Consistently paying bills on time is one of the most significant factors influencing your credit score. Setting up reminders or automatic payments can help ensure that you never miss a due date.
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Reduce Credit Utilization: Aim to keep your credit card balances low relative to your credit limits. A utilization rate below 30% is often recommended; paying off credit card balances in full each month can further enhance your score.
By focusing on these strategies, individuals can gradually improve their credit scores over time.