A healthy credit profile can be maintained by routinely reviewing credit reports for errors and disputing those that are found. One's creditworthiness can also be improved by using credit responsibly, s657 slotsuch as by limiting credit utilization to less than 30% of available credit. Effective debt management and upholding a high credit score put people in a position to take advantage of future financial opportunities. Using Insurance and Estate Planning to Protect Your Wealth Wealth protection, which includes both insurance and estate planning, is a frequently disregarded component of financial planning.