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If you think your create free websites credit score is not as high as it should be , make sure that the information contained in your credit report is accurate. If they are , see your application carefully to identify the factors most likely to have a negative impact on your credit score and make the necessary improvements. Here are some tips on how to go about it : Always pay your bills on time. Although the payment of utility bills such as telephone , cable and electricity is not included in your credit report , some cell phone companies may report late payments to the bureaus credit , which could hurt your score . Try to pay your bills in full by the due date. If you can not do this, pay at least the minimum amount due on your monthly statement. Try to pay off your debts as quickly as possible. Try to keep your balance below the limit level . The higher your balance , the higher your credit score will suffer . Reduce the number of credit applications you make. If too many potential lenders ask about your credit in a short period , your score may suffer. For cons , the fact that you asked yourself information about your own credit report does not affect your score. Make sure you have a history of credit. You can have a low simply because you have never contracted loans and demonstrated your ability to repay them score . You can acquire credit history using a credit card.
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