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What is a Credit Score?
A credit score is a number that shows if you are good with money.
High score = banks trust you.
Low score = banks worry.
Pay on Time
Always pay bills when they are due.
Late payments make your score go down.
On-time payments make your score go up.
Use Less Credit
Do not spend all your credit limit.
Keep use below 30%.
Best is under 10%.
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Keep Old Accounts
Do not close your old credit cards.
Use them sometimes.
Old accounts make your history strong.
Be Smart and Safe
Check your report for mistakes.
Do not apply for too many loans.
A good mix of cards and loans helps.
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