![]() ![]() ![]() Keep practicing good credit habits and you will see it pay off eventually. It's a marathon, not a sprint, and even if you follow all of these tips, your score could still take time to reflect the work you're putting in. ![]() Once your debt-to-credit ratio decreases, your score should improve.īuilding excellent credit takes time and patience. Choose the one that works best for you and make it a priority. There are many different strategies for how to pay down debt.
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