Beyond that, you can focus on paying off debts, using as little of your available credit on your credit cards as possible and only applying for new credit when it’s necessary.
The information you get when you check your credit scores on should help you identify which areas need your attention most as you work to improve your credit.
In this case, the fact that you are habitually late with your payments can cause long-term damage to your credit scores.
Click here to learn about the strategies used to fix credit errors.
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