A good credit score saves money and improves access to credit.
Understanding Scores
- 700–749: Good
- 750+: Excellent
Scores are based on: payment history, credit utilization, length of credit history, new credit, and credit mix.
How to Improve Your Score
- Make all payments on time
- Keep utilization low
- Avoid unnecessary credit applications
- Correct errors on reports
Consistency matters more than perfection.
FAQ:
How long does it take to build good credit? Many see improvement in 6–12 months.