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Tips on Improving Your Credit Standing
Pay your bills on time (raises your score over time).
Pay at least the minimum amount required for credit cards and loans.
Use only one or two credit cards.
Know the approximate balances on your credit cards.
Keep your revolving credit lines like credit cards below the maximum credit limit.
If you can't make a payment on a bill, contact your creditors to discuss the situation.
Periodically check your credit report for any errors.
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