5 simple steps to managing healthier credit:
* Be a better credit manager – Take time to understand credit scoring.
... * Don't be late – Pay your bills on time.
* Regularly check your credit reports – Correct inaccuracies as soon as you spot them.
* Keep balances as low as possible – Your credit balances shouldn't be more than 35% of your available credit limits.
* Put time on your side – Establish a long history of paying your bills on time and using credit responsibly.
* Avoid excessive credit checks – Make sure to apply for new credit in moderation.
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