A credit score isn’t just a number; it’s a key to your financial opportunities.
Lenders, landlords, and even some employers use your credit score to assess your reliability.
The five main factors affecting your score are payment history, amounts owed, length of credit history, new credit, and types of credit used.
To improve your score, always pay bills on time, keep credit card balances low, and avoid opening too many new accounts at once.
Check your credit reports regularly to spot errors and correct them immediately.