First- if you are in debt, pay off the debt
second- a credit score shows a persons ability to manage debt. So charge a little each month and pay in full each month.
third- a credit score reflects how you value money and what your spending habits are. If you do not correct your habits, your score will go lower.
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Light travels faster than sound. That is why some people appear bright until you hear them speak.
One person's stupidity is another person's job security.
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