Loaning is a lifeline of our economy and a credit history and score is a metric lenders use when deciding who to lend the money to.

1. Pay your bills on time.

2. Use less than 30% of your credit limit.

3. Keep your credit history longer

4. Minimize your credit inquiries/ checks.

5. Maintain your credit balance or available credit across all accounts.

6. Do not apply for too many credit cards or loans.