Timely payments are important for a healthy credit score. Set up reminders or automatic payments to avoid late payments.
Aim to decrease credit card balances and maintain a low credit utilisation ratio. Ideally, keep your credit card balances below 30% of your credit limit
Consider diversifying your credit mix by combining credit cards, installment loans, and other types of credit. A well- rounded credit portfolio can positively impact your score.
If you need a credit history or need to improve it, consider opening a secured credit card. Establishing a positive credit history is crucial.
Schedule regular reviews of your credit report to catch any errors or discrepancies. Always try to maintain a clean credit history.