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Pay your bills on time. Delinquent payments and collections can have a significant negative impact on your score.
If you have missed payments, get current and stay current.
Pay off debt rather than shifting it to other accounts.
your credit history if you have had problems. Opening new accounts
responsibly and paying them off on time may help in the long term.
Apply for and open new credit accounts only as needed.
credit cards but manage them responsibly. In general, having credit
cards and installment loans (and paying timely payments) may favorably
impact your credit score in the long term. If you are having trouble
making ends meet, contact your creditors or see a legitimate credit
Keep balances low on credit cards and other revolving credit.
for rates for a given loan within a short period of time. The Equifax
Risk Score distinguishes between a search for a single loan and a search
for many new credit lines, partly by the length of time over which
Close unused credit cards as a short-term strategy to try to raise your score.
a number of new credit cards, just to increase your available credit.
This approach could actually have a negative impact on your score.
you have been managing credit for a short time, avoid opening a lot of
new accounts too rapidly. Adding new accounts will lower your average
account age, which could have a negative impact on your credit score,
particularly if you are a new credit user.
Once you "Batch Out" or do a "Settlement" on your credit card terminal you have cleared any/all transaction info from the terminal and cannot print/reprint/void any of the transactions. Detailed reports can be acquired from your processor in most cases.