Manage credit like it’s your baby
Your credit score is like your reputation: It takes a long time to build up, but just one mistake can knock it down. A late credit card payment, for example, can cost you several points. And now, when a mere 20 points can make the difference between the best rates on car loans and mortgages, it’s important to pay attention to all the factors that could pull you up–or down. An easy way to keep your score in tip-top shape is to pay your credit card bills on time and keep your debt-to-available-credit ratio low.
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