: Keep your oldest accounts open, even if you don't use them often, to show long-term reliability. 2. The Strategy: Boosting Your Numbers

: A higher score means paying thousands of dollars less over the life of a mortgage or car loan.

Are you looking to on your report, or are you trying to reach a certain score for a big purchase like a home?

: If you have a family member with a high-limit, low-balance card and a perfect history, being added as an authorized user can "piggyback" their good habits onto your report.

: Whether it's for a high-end apartment or a business loan, your credit is your reputation on paper.