Have you been looking for some habits to adopt in regards to improving your credit score? Here are few tips to keep in mind–and keep in mind, if you keep something up for at least three weeks, then it pretty much develops as a habit! New year new you, after all.

1. Paying bills on time. (This is said so many times because it’s that important.)
2. Keep your credit card utilization under 10 percent.
3. Balances should remain low.
4. Don’t apply for credit too often.
5. Stay on top of your score; monitor it often!

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