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Common Credit Questions
Explore answers to the most common questions about improving your credit score and managing your financial health.
How can I improve my credit score quickly?
To boost your credit score quickly, focus on paying down high credit card balances, making all payments on time, and avoiding new hard inquiries on your credit report.
What factors affect my credit score the most?
Your payment history, credit utilization ratio, length of credit history, new credit inquiries, and types of credit accounts are the primary factors influencing your credit score.
How often should I check my credit report?
It’s advisable to review your credit report at least once a year to ensure accuracy and to catch any potential errors or fraudulent activities early.
Can I remove negative items from my credit report?
Yes, you can dispute inaccuracies with the credit bureaus. If the negative items are valid, they will typically remain on your report for seven years.