Timely payments for bills, loans, and credit cards significantly impact your credit score positively
Regularly review your credit reports to catch errors or discrepancies that could affect your score
Maintain a low credit utilization ratio by not maxing out your credit cards; aim for below 30%
Repeatedly applying for new credit can signal financial instability and impact your score negatively.
Having a variety of credit types—such as mortgage, credit cards, and loans—can positively influence your credit score.