Responsible credit usage is necessary to maintain a high credit score. This includes avoiding pointless credit inquiries, making on-time payments, & masabse achcha gameintaining a low credit utilization rate (ideally less than 30% of available credit). It is also advisable to routinely check one's credit report for errors or discrepancies, as fixing these can eventually result in higher credit scores. Increasing income is frequently a crucial wealth-building tactic.
po