HAVE A CREDIT MIX
FICO and Vantage are the formulas used to create credit scores. Do you have revolving lines of credit, installments, and credit cards? Having a credit mix with excellent history are needed to achieve an excellent credit rating.
MOVE WISELY
Credit utilization is the amount of credit you used out of your total limit monthly. Pay off your balances in full every month and use at the most up to 10% utilization on your credit card monthly balance.
