Make more payments, and do it on time. Making smaller payments more frequently can help your credit score because it can show youre using less of your available credit - a good thing for your credit score. Dont use most of your available credit, even if you pay it off on time. Your credit utilization ratio - your outstanding balance vs. your total credit limit - should be no more than 30, but 10 or less is ideal, experts say.
Resist the urge to close accounts. Having credit that you actually dont use is good for your score. Keep the account active by using it to pay a small bill from time to time.
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