How do I raise my credit score?

Pay on time, keep revolving utilization low, dispute real errors at AnnualCreditReport.com, and avoid extra hard inquiries. Scores are models, not morality. Payment history is the largest classic FICO category. Paying the card down is the math; a paid repair pitch is usually not.

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Source: FAQ: Debt & credit. Educational only, not advice. Facets: topic debt · capital none · hours/week 3 · skill beginner.