Credit Score

A good credit score starts with smart financial habits. Always pay your bills on time—payment history is the biggest factor. Keep your credit card balances low and avoid maxing out limits. Limit new credit applications, as too many inquiries can hurt your score. Maintain a mix of credit types, like a credit card and a loan, and keep older accounts open to build a longer credit history. Regularly check your credit report for errors and dispute any inaccuracies. With consistency, discipline, and time, your credit score will improve, making it easier to qualify for loans, better interest rates, and approvals.