How to Improve Your Credit Score
Bulk Up Your Thin File
Luckily for consumers with little to no credit history, VantageScore has recently been leading the way by placing the most emphasis on the last 24 months of a consumer’s credit history. So, even if you haven’t been using credit for ages, your credit-building actions will now have a deeper impact on your score. Some other things that will help to bulk up a thin credit history are secured credit cards, personal loans, auto loans, or a mortgage.
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So maybe you can’t change your health overnight. But you can get a head start.