: Aim to keep your credit card balances below 30% of your total limit, though below 10% is ideal for the highest scores.
: Do not close old credit cards, even if you don't use them. The length of your credit history positively impacts your score. credit repair to buy a home
: If you have past-due accounts, bring them current immediately to stop further damage. 4. Optimize Credit Mix and Age : Aim to keep your credit card balances
