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Pay on time every month and never max out your credit limit to gain points credit points. It doesn't take long to improve your scores. In fact, credit scores are dynamic and can fluctuate by 100 points in a single month.
Aim to keep your credit card balances below 30% of your credit limit for each card and overall. So, if your credit limit is $1,000, keep your balance below $300. If you really want a boost in scores, try to keep balances below 7% like people with excellent credit scores.
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Learn why timing is key to boosting your credit scores.