A: Credit conversations often raise more questions than answers, and it’s perfectly normal to feel unsure about what “cleaning up” your credit really means. There’s no one-size-fits-all checklist that guarantees a particular score and the system tends to reward consistent, responsible behaviour such as on-time payments, reasonable use of available credit, and steady money-management habits. Quick fixes rarely deliver lasting results and can sometimes leave you worse off in the long run.

What is commonly referred to as your is, in fact, your credit score . Your score is a number that lenders use to help determine the level of risk associated with extending credit to you, as well as to determine the appropriate interest rate they should offer. Your score is based on specific details co

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