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Credit Scores: What Actually Moves the Needle
Description
Most people think boosting their credit score is crucial, but surprisingly few know what actually drives it. Payment history and credit utilization make up two-thirds of your score—missing payments and maxing out cards are major pitfalls. Income doesn’t matter; it’s your habits that do. Keeping old credit cards open—even unused—can help, and checking your report yearly catches errors before they hurt. Smart moves now = solid financial future.
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