creditscore

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Your credit score is calculated using a mix of data, including your payment history, how much credit you have and length of credit history.

Here's the golden rule: Only charge what you can afford to pay every month in full.

Keeping your balances low will help boost your credit score. Aim to keep your debt utilization — which is amount of available credit you actually use — as low as possible.

There's no need to have a wallet full of credit cards, but having one or two that you use responsibly will help your score.

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5 easy steps to improve your credit score

money.cnn.com

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The Golden Rules of Personal Finance
  • Spend less money than you earn
  • Always plan for the future: you should always look forward beyond the current month
  • Make your money make more money: invest, start a business or invest in your education.

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How to Start Managing Your Money, For Those Who Never Learned Growing Up

lifehacker.com

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