Credit: My

: Also called "utilization." This is how much of your total credit limit you're actually using.

: How long your accounts have been open.

: The biggest slice. It tracks if you pay bills on time. my credit

: Ask a family member with good credit to add you to their account. ⚠️ Common Credit Traps

Understanding your credit is like keeping a health report for your wallet. It tells lenders how likely you are to pay them back. The Big Five: What Makes Your Score : Also called "utilization

: This can shrink your total available credit, making your utilization spike.

: Aim to use less than 30% of your total limit. my credit

: Keeping old accounts open helps your "history" look longer.