Building good credit takes time and it can be done using several
tips. The tips to building good credit is to review the free credit
report every year, keeping the balances below 50 percent of the
credit limit and pay the bills on time.
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The best three tips is to close out credit cards with a paid
balance, make payments on time, and try not to have too many lines
of credit reflect on the credit report.
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There are several tips when using a credit card, such as only
spending what one can afford. Similarly, one should read the small
print to see the credit card rates and benefits.