We break down how credit scores work in plain English, explaining the five factors that make up your credit score: payment history (35%), credit utilization (30%), credit age (15%), credit mix (10%), and new credit (10%). We discuss why paying on time matters most, how to keep your credit utilization low, why closing old cards can hurt your score, and why consistent credit habits matter more than perfect ones. #CreditScore #CreditBuilding #PersonalFinance #FinancialLiteracy #CreditTips
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