Protect Your Credit History
Personal Finance · Beginner
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Your credit history determines whether lenders approve you and at what rate. Care for it by paying on time, keeping utilization low, and checking it once a year.
Micro-habits to get started
Small actions of a few minutes to start this habit:
Request your free credit report
Download your credit and debt report from your country's official bureau.
An unrecognized debt can be an early warning sign of identity theft.
15 minDispute any errors
If a paid-off debt or inaccuracy appears, file a dispute with your proof of payment.
Always request a written certificate whenever a debt is fully paid off.
20 minLower your credit utilization
Check what percentage of your credit limit you use and aim for under 30%.
Maxing out your limit—even if you pay on time—signals financial strain to lenders.
5 min