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- Take the first step to reviewing your credit report carefully for any inaccuracies.
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- Start by reviewing your credit reports from all three major bureaus: Experian, Equifax, and TransUnion. Look for discrepancies that may be dragging your score.
- Settle your bills on time consistently. Payment history is a significant factor in your credit score.
- Lower your credit utilization ratio by keeping your credit card balances below 30% of your available funds.
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