01
A credit score estimates how likely you are to repay borrowed money. It is not a measure of income or wealth.
02
Payment history is a major factor. Set reminders or automate at least the minimum payment.
03
Try to use a small share of your available credit and pay balances down before the statement closes.
04
A longer record can help. Apply for new credit only when needed, because multiple applications can affect your profile.
05
Review your credit reports for errors, dispute inaccuracies and keep good habits consistent.
Sources
CFPB · FTC · Cover photo: Unsplash
Figures and rules can change. Verify current details before acting.
Educational information, not financial advice.