Check Your Credit Report!
Credit card companies and lenders heavily rely on credit scores to gauge a person's borrowing eligibility and the terms they're offered.
It's wise to check your credit score annually by obtaining reports from the three major credit reporting agencies: Equifax (www.equifax.com), Experian (www.experian.com), and TransUnion (www.transunion.com).
If you spot any inaccuracies in your report, promptly notify the credit bureau. Consider closing unused accounts and requesting the removal of late payments older than seven years. Also, ensure your accounts and personal information are up-to-date.
Here are some tips to boost your credit score: Always pay your bills on time, work on reducing your outstanding debt, and aim to build up your savings. Be cautious of fraudulent schemes promising a new credit identity; they're often illegal and can cause more harm than good.