: Keep your balances low relative to your credit limits. High utilization can negatively impact your score.
: This is the most significant factor. Always make payments on time to show reliability. credit*scored
: Most scores, including the common FICO® Score and VantageScore, range from 300 to 850 . General Categories : Excellent : 800+ Very Good : 740 – 799 Good : 670 – 739 Fair : 580 – 669 Poor : Below 580. Core Factors for Improvement : Keep your balances low relative to your credit limits
: If you have no history, consider establishing a small installment loan or a secured credit card to start building your file. Always make payments on time to show reliability
: Building a longer history over time helps stabilize your score.
: Avoid opening too many new accounts in a short period, as it can signal financial instability. Managing Your Profile