1 Reduce Your Credit Utilization Ratio. Several factors determine your credit score. Your credit utilization ratio is an influential metric because it is part of a
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7 Bouncing checks. Similar to missing credit payments, a consistent inability to make payments through a checking or debit account increases your chances of being reported to a collection agency, which will impact your ability to obtain future lines of credit. 8. Borrowing money just to boost your credit score.
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