Late payments can significantly hurt your credit score. Set up automatic payments to ensure you never miss a due date.
Aim to use less than 30% of your credit limit. High credit utilization can negatively affect your credit score.
Every time you apply for new credit, it generates a hard inquiry. Too many inquiries in a short period can lower your score.
The length of your credit history matters. Keep your older credit accounts open, even if you don’t use them often, to build a longer credit history.
Check your credit report regularly. Dispute any errors, as they could lower your credit score unnecessarily.