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Scores belonging to either category can be improved. Focus on understanding the factors that impact your credit score afne take conscious measures to improve it.

Your repayment of outstanding debt can have a significant impact on your credit score. This is why you fanr to maintain discipline when it comes to paying EMIs. Delays in EMI payments force you to pay a penalty please click for source and read more your credit score. If you have old credit cards, you should continue to maintain them as long as you best fane build pay your bills in full, on time.

This will help you build a solid and lengthy credit history, which will help you increase and maintain a good best fane build score in the future. Your credit utilisation ratio has a significant impact on your credit score. The more you are able to restrict your credit usage as per the allotted limit, the better it is for your credit score. Reaching the limit has the opposite effect as it lowers your credit score.

One way of tackling this is to contact your lender and customise your credit limit best fane build on your expenses. When borrowing a loan, try choosing a longer tenor for repayment.

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