: A longer history of responsible credit use generally helps your score. This includes the age of your oldest account and the average age of all your accounts.

Building or repairing credit is a gradual process. Experian and USA.gov suggest these reliable methods:

: Credit Sesame recommends keeping this below 30%, though the highest scorers often stay below 10%.

: It may be difficult to get approved for credit; if you are, terms will likely be strict. 3. Actionable Improvement Strategies

: Lenders like to see that you can manage different types of credit, such as credit cards, retail accounts, installment loans (like auto loans), and mortgages.

: You are well above the average U.S. consumer and likely to qualify for the best interest rates and terms.