How credit scores actually work

1. 01Pull your reportGet your credit report from the official free channels in your country and read every line for errors.
2. 02Never miss a paymentPayment history is the largest factor. Set autopay for at least the minimum on every account.
3. 03Keep utilization lowUse under ~30% of your available limit, ideally under 10%. Paying in full each month is the cleanest version.
4. 04Let accounts ageClosing your oldest card shortens your history and cuts your limit. Keep it open with a tiny recurring charge.
5. 05Apply sparinglyEach hard inquiry dings you slightly. Space out applications and rate-shop loans within a short window.
6. 06Dispute errorsErrors are common. Dispute them in writing with the bureau and the lender; keep records.

General educational information, not legal, tax, medical, or financial advice. Rules vary by country and change over time — verify with a qualified professional before acting.