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: This is the most critical factor. Paying all your bills on time is the single best way to keep your credit rating high. Even a single 30-day late payment can cause a significant drop in your score.

Lenders typically use your credit score to assess risk based on several core factors: creditratingup.com

: Having a variety of credit types, such as revolving credit (credit cards) and installment loans (mortgages or car loans), can improve your score. : This is the most critical factor

: This refers to how much of your available credit you are using. Experts recommend keeping your utilization below 30% of your total credit limit to be seen positively by lenders. Lenders typically use your credit score to assess

: Maintaining older credit card accounts helps lengthen your credit history, which generally benefits your score. Essential Steps to Take How To Improve Your Credit Score Tips & Advice - Experian