Improving your credit score is largely within your control and can have significant benefits, such as better loan rates and easier approvals for apartments and jobs. Key strategies include setting up automatic bill payments to ensure on-time payments, paying down existing debt to keep credit utilization low, reviewing credit reports for errors, using new financial products like secured credit cards and credit-builder loans to establish or repair credit, and leveraging free apps like Experian Boost to get credit for regular payments. Following these steps can result in a noticeable improvement in your credit score by the end of the year.
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