: Aim to keep your balances below 30% of your limit on every card. For a card with a $1,500 limit, stay under $450.
: The "age" of your credit history matters. Closing an old, unused card can actually lower your score by shortening your history and reducing your total available credit. how to improve your credit score to buy a house
Improving your score isn't just about the number; it's about your ratio, which lenders use to determine how much house you can afford. : Aim to keep your balances below 30%
: Fixing even a small error can lead to a quick boost in your score. 2. Prioritize On-Time Payments it's about your ratio
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