How do you improve your credit history

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How Do You Improve Your Credit History?
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Do you know that you can check a Free Credit
Score on credit bureau websites such as that of
CRIF High Mark? Well if you havent checked yet,
you can do that first.
Well dont worry, it shows -1 or NH because you
dont have any credit history yet.
why is my credit score -1 or NH or not
available?
In case you have never applied for a credit card
or a loan in your name, your most likely reaction
after viewing your score would be
This is your step 1 of building your credit score.
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Start Early 
You will have a good credit age only if you have
enough credit history.
Hence, although you may be in a position today
where you seldom require a credit card, it would
be advisable to own one. In this way, your credit
history will be established at an early age and
would help improve your credit score.
Later, when you are actually in need of a loan,
you can use this to your benefit.
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Pay Your Dues On Time
So, if your credit history indicates that youve
missed payments or over utilized credit cards, a
long credit history might not help.
Good credit history is what lenders are looking
for.
On the other hand, if you have a long history of
timely payments with a low credit utilization
ratio, it shows that you are responsibly managing
credit and are worth the risk for lenders.
This means that when a lender performs a credit
check, you could be more likely to be approved
for credit cards and loans at a better interest
rate.
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Retain Older Credit Accounts
Since credit age is all about how old your
payment history dates back to, Its worth
considering old credit accounts with a decent
track record before closing them.
Generally, the longer an account has been open
and active, the better it is for the credit score.
They surely add to your overall creditworthiness.
Having said that, Even when you close a credit
card, it will stay on your credit report and
continue to reflect for around 7 years.
Thats particularly true for an account with
positive payment history, without any
delinquency.
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Limit Loan Applications
It also does not help with your credit history
length as the average age is reduced due to the
opening of simultaneous accounts.
Applying for multiple loans with multiple banks
indicates credit hungry behavior.
Also, each time you apply for a loan, the bank
conducts a hard inquiry on your account, a number
of which hampers your credit score.
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Check Your Credit Score Every Once in A While
Regular checking of your credit score is known as
a Soft Inquiry.
Although, overdoing the same is not recommended
as it may lead to anxiety and worry.
It does not affect your credit score in any way
and is rather a good and harmless practice to
keep a track of your progress.
You can check your Credit score for free from
CRIF services.
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You can get both your personal credit score and
business credit score by applying directly on the
link mentioned below
https//cir.crifhighmark.com