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The FICO score, a credit score commonly used by lenders, ignores any such inquiries made in the 30 days prior to scoring.
If it finds some that are older than 30 days, it will count those made within a typical shopping period as just one inquiry.
Even if you’re paying balances in full every month, your credit score will still weigh your monthly balances.
One strategy: See if the credit card issuer will accept multiple payments throughout the month.
The longer your history of good debt is, the better it is for your score.
One of the ways to improve your credit score: Leave old debt and good accounts on as long as possible.
If you’re planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.
While you’re juggling bills, you don’t want to start paying bills late.
One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.
The reason this strategy can boost your score: One of the items your score considers is just how many of your cards have balances, Ulzheimer says.
That’s why charging on one card and on another instead of using the same card (preferably one with a good interest rate) can hurt your credit score.
If you need to boost your credit score, it won’t happen overnight.
Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions.