{"id":67325,"date":"2023-01-18T12:43:19","date_gmt":"2023-01-18T07:13:19","guid":{"rendered":"https:\/\/www.the-next-tech.com\/?post_type=web-story&#038;p=67325"},"modified":"2023-01-18T12:43:22","modified_gmt":"2023-01-18T07:13:22","slug":"how-to-build-and-maintain-good-credit","status":"publish","type":"web-story","link":"https:\/\/www.the-next-tech.com\/web-stories\/how-to-build-and-maintain-good-credit\/","title":{"rendered":"How to Build and Maintain Good Credit"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=BioRhyme%3Awght%40400%3B700&amp;family=Playfair+Display%3Awght%40700&amp;family=Source+Serif+Pro%3Awght%40700&amp;family=Trykker&amp;family=Mulish%3Awght%40700&amp;family=DM+Sans%3Awght%40700\" rel=\"stylesheet\"\/>\n<style amp-boilerplate=\"\">body{-webkit-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-moz-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-ms-animation:-amp-start 8s steps(1,end) 0s 1 normal both;animation:-amp-start 8s steps(1,end) 0s 1 normal both}@-webkit-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-moz-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-ms-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-o-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}<\/style>\n<p><noscript><\/p>\n<style amp-boilerplate=\"\">body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none}<\/style>\n<p><\/noscript><\/p>\n<style amp-custom=\"\">\n              h1, h2, h3 { font-weight: normal; }<\/p>\n<p>              amp-story-page {\n                background-color: #131516;\n              }<\/p>\n<p>              amp-story-grid-layer {\n                overflow: visible;\n              }<\/p>\n<p>              @media (max-aspect-ratio: 9 \/ 16)  {\n                @media (min-aspect-ratio: 320 \/ 678) {\n                  amp-story-grid-layer.grid-layer {\n                    margin-top: calc((100% \/ 0.5625 - 100% \/ 0.6666666666666666) \/ 2);\n                  }\n                }\n              }<\/p>\n<p>              @media not all and (min-resolution:.001dpcm) {\n                @media {\n                  p.text-wrapper > span {\n                    font-size: calc(100% - 0.5px);\n                  }\n                }\n              }<\/p>\n<p>              .page-fullbleed-area,\n              .page-background-overlay-area {\n                position: absolute;\n                overflow: hidden;\n                width: 100%;\n                left: 0;\n                height: calc(1.1851851851851851 * 100%);\n                top: calc((1 - 1.1851851851851851) * 100% \/ 2);\n              }<\/p>\n<p>              .element-overlay-area {\n                position: absolute;\n                width: 100%;\n                height: 100%;\n                top: 0;\n                left: 0;\n              }<\/p>\n<p>              .page-safe-area {\n                overflow: visible;\n                position: absolute;\n                top: 0;\n                bottom: 0;\n                left: 0;\n                right: 0;\n                width: 100%;\n                height: calc(0.84375 * 100%);\n                margin: auto 0;\n              }<\/p>\n<p>              .mask {\n                position: absolute;\n                overflow: hidden;\n              }<\/p>\n<p>              .fill {\n                position: absolute;\n                top: 0;\n                left: 0;\n                right: 0;\n                bottom: 0;\n                margin: 0;\n              }<\/p>\n<p>              @media (prefers-reduced-motion: no-preference) {\n                .animation-wrapper {\n                  opacity: var(--initial-opacity);\n                  transform: var(--initial-transform);\n                }\n              }<\/p>\n<p>              amp-story-grid-layer.align-bottom {\n                align-content: end;\n                padding: 0;\n              }<\/p>\n<p>              .captions-area {\n                padding: 0 32px 0;\n              }<\/p>\n<p>              amp-story-captions {\n                margin-bottom: 16px;\n                text-align: center;\n              }<\/p>\n<p>              amp-story-captions span {\n                display: inline-block;\n                margin: 0;\n                padding: 6px 12px;\n                vertical-align: middle;\n                border-radius: 15px;\n                background: rgba(11, 11, 11, 0.6);\n                color: rgba(255, 255, 255, 1);\n                font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Oxygen-Sans, Ubuntu, Cantarell, \"Helvetica Neue\", sans-serif;;\n                font-size: calc(4 * var(--story-page-vw));\n                line-height: 1.4;\n                word-break: break-word;\n                word-wrap: break-word;\n                overflow-wrap: break-word;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>How to Build and Maintain Good Credit<\/title><link rel=\"canonical\" href=\"https:\/\/www.the-next-tech.com\/?post_type=web-story&amp;p=67325\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"The Next Tech\" publisher-logo-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2022\/07\/22163006\/tnt_logo.png\" title=\"How to Build and Maintain Good Credit\" poster-portrait-src=\"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2023\/01\/18124109\/Cover-Image-75.jpg\"><amp-story-page id=\"1aa71918-2ad7-4183-9432-b8ae77cd82ba\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-86b7cd9c-0f43-4e0c-ba1c-73848c8fb490\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-5.82524%;top:53.07443%;width:111.40777%;height:49.35275%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-f441e153-f9ac-49cf-88e4-92a4ae178ed8\">\n<div style=\"position:absolute;width:100%;height:100.26008%;left:0%;top:-0.13004%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/img.freepik.com\/free-vector\/businessman-pulling-speedometer-from-poor-good-performance_74855-20012.jpg?w=740&amp;t=st=1674023614~exp=1674024214~hmac=ca25f089d3a38d44f91bef1e6cd7520e4b3d3bf8d4f3e36da8e2ba3f6a41aef1\" alt=\"businessman-pulling-speedometer-from-poor-good-performance_74855-20012.jpg\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:12.29773%;width:76.69903%;height:21.0356%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 1.5384615384615385% 1.5384615384615385% 1.5384615384615385% 1.5384615384615385%\" id=\"el-1b54bb7c-7ede-46d3-a92f-834634c503b9\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.8223101265822779% 0;font-family:&quot;BioRhyme&quot;,serif;font-size:0.533981em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"How_to_Build_and_Maintain_Good_Credit\"><\/span><span><span style=\"font-weight: 700; color: #e48569\">How to Build and Maintain Good Credit<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:33.25243%;top:37.05502%;width:33.25243%;height:11.65049%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-bdb091ff-83bc-4c1e-91aa-99b0f1987786\"><svg style=\"display:block;position:absolute;top:0;height:100%;width:auto\" viewBox=\"0 0 19 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><title>Arrow<\/title><path d=\"M17.9472 5.38801C18.1615 5.17372 18.1615 4.82628 17.9472 4.61199L14.4552 1.11992C14.2409 0.905633 13.8934 0.905633 13.6791 1.11992C13.4649 1.33421 13.4649 1.68165 13.6791 1.89594L16.7832 5L13.6791 8.10406C13.4649 8.31835 13.4649 8.66579 13.6791 8.88008C13.8934 9.09437 14.2409 9.09437 14.4552 8.88008L17.9472 5.38801ZM0 5.54873H17.5592V4.45127H0V5.54873Z\" fill=\"#3A566E\"><\/path><\/svg><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"a38ed401-3a19-4e16-bc44-f6be056090e5\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-25b64ac2-2895-452b-9b8e-e2f14a0194b9\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-68c9e503-bd38-4802-9b33-de0eb9e5ce8e\",\"keyframes\":{\"transform\":[\"translate3d(-116.29393%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6945d3ba-3dcc-476b-b4fc-e776ae787c99\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#ffece3\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-f68d84af-0fd6-4acd-b1b2-a6636d953138\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:21.68285%;width:75.97087%;height:45.46926%;opacity:1\">\n<div id=\"anim-25b64ac2-2895-452b-9b8e-e2f14a0194b9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-68c9e503-bd38-4802-9b33-de0eb9e5ce8e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-116.29393%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-d5fae044-bb70-43de-a776-047e5f4f3b7b\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.5958466453674123% 0;font-family:&quot;Playfair Display&quot;,serif;font-size:0.485437em;line-height:1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ff3101\">Keep your credit card balances low<\/span><\/p>\n<p><span style=\"font-weight: 700\">High credit card balances can signal to lenders that you&#8217;re overextended and may not be able to make payments on time.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:75.72816%;top:71.52104%;width:24.75728%;height:21.84466%;opacity:1\">\n<div id=\"anim-6945d3ba-3dcc-476b-b4fc-e776ae787c99\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-053866e2-e189-40de-bbf5-745cedf2c3f8\"><svg style=\"display:block;position:absolute;top:0;height:100%;width:auto\" viewBox=\"0 0 280 270\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><title>Burst with Arrow<\/title><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M157.588 0L140 15.8699 122.428 0l-12.955 19.5973L88.3634 8.44767l-7.497 22.08763-23.3165-5.7131-1.5667 23.1944-24.0747.0489 4.4645 22.8526-23.2996 5.8434 10.1925 21.0622L2.20698 109.071l15.29722 17.937L0 142.976l19.4248 13.705-12.83756 19.662 22.35616 8.611-7.379 22.136 23.8556 2.962-1.4489 23.211 23.8893-2.865 4.5656 22.837 22.3899-8.513 10.2941 21.013 19.509-13.623L140 270l15.381-17.888 19.51 13.623 10.293-21.013 22.407 8.513 4.565-22.837 23.873 2.865-1.449-23.211 23.872-2.962-7.379-22.136 22.34-8.611-12.838-19.662L280 142.976l-17.487-15.968 15.28-17.937-21.059-11.2473 10.193-21.0622-23.283-5.8434 4.447-22.8526-24.057-.0489-1.584-23.1944-23.316 5.7131-7.497-22.08763-21.11 11.14963L157.588 0zm-11.889 109.488c0 10.932 6.756 20.317 16.382 24.413h-57.199v2.198h57.199c-9.626 4.096-16.382 13.481-16.382 24.413h2.197c0-13.443 11.192-24.413 25.017-24.413v-2.198c-13.825 0-25.017-10.97-25.017-24.413h-2.197z\" fill=\"#FF3000\"><\/path><\/svg><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"fa2a2ca4-9dfc-4287-b7c0-3c51d7efad99\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c1d49c17-a341-40c0-a64f-159d4cbdedd0\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-05fec720-4b6b-4ad8-8463-d111ccb3de93\",\"keyframes\":{\"transform\":[\"translate3d(0px, 176.89351%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#1f2a2e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-f6932f5f-6ef7-42ab-ae0b-d2f1d9498243\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:26.53722%;width:76.69903%;height:46.76375%;opacity:1\">\n<div id=\"anim-c1d49c17-a341-40c0-a64f-159d4cbdedd0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-05fec720-4b6b-4ad8-8463-d111ccb3de93\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 176.89351%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-edffd65b-e218-4c9d-90e9-0a8768d6db50\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.4011075949367084% 0;font-family:&quot;Source Serif Pro&quot;,serif;font-size:0.566343em;line-height:1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Dont_close_old_credit_accounts_Length_of_credit_history_is_an_important_factor_in_determining_your_credit_score\"><\/span><span><span style=\"font-weight: 700; color: #fdf5dc\">Don&#8217;t close old credit accounts<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">Length of credit history is an important factor in determining your credit score.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"d290c1e3-b0f1-4b0a-a0b4-c291d50a7cf9\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-836c0de2-eb02-4cab-868d-2cee8239a198\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f3b9b206-14a4-4252-966f-8300f357fa2b\",\"keyframes\":{\"transform\":[\"translate3d(115.43408%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#bcebee\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-126fbb13-565c-49f0-b654-d14ad50c8d84\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:15.37217%;width:75.48544%;height:69.57929%;opacity:1\">\n<div id=\"anim-836c0de2-eb02-4cab-868d-2cee8239a198\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-f3b9b206-14a4-4252-966f-8300f357fa2b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(115.43408%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-94cdfa02-db4d-494a-901c-84950c319c63\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.7475884244372988% 0;font-family:&quot;Trykker&quot;,serif;font-size:0.501618em;line-height:1.4;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #590d22\">Limit new credit applications<\/span><\/p>\n<p><span style=\"font-weight: 700\">Each time you apply for credit, it shows up on your credit report, which can have a negative impact on your score.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"48eb14c5-ed00-494b-922e-245c63c95904\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-933bc273-f394-4710-8f84-8e9dfcd645d4\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7539df0e-5e78-4364-af8a-79dd1e7c7666\",\"keyframes\":{\"transform\":[\"translate3d(0px, -146.37427%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#2d2a35\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9bff4f76-8d30-46c5-b092-c972962fc72d\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.83495%;top:65.04854%;width:8.98058%;height:5.66343%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;clip-path:url(#el-e69c0e21-ac3f-4fab-a566-2550d0fd5128);-webkit-clip-path:url(#el-e69c0e21-ac3f-4fab-a566-2550d0fd5128)\" class=\"mask\"><svg width=\"0\" height=\"0\"><defs><clipPath id=\"el-e69c0e21-ac3f-4fab-a566-2550d0fd5128\" transform=\"scale(1 1)\" clipPathUnits=\"objectBoundingBox\"><path d=\"M 0.5 0 L 1 1 L 0 1 Z\"><\/path><\/clipPath><\/defs><\/svg><\/p>\n<div class=\"fill\" style=\"background-color:#2d2a35;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:19.25566%;width:75%;height:61.48867%;opacity:1\">\n<div id=\"anim-933bc273-f394-4710-8f84-8e9dfcd645d4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-7539df0e-5e78-4364-af8a-79dd1e7c7666\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -146.37427%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-ca60703b-0743-4e37-8458-dec46968a818\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.3624595469255667% 0;font-family:&quot;Trykker&quot;,serif;font-size:0.517799em;line-height:1.18;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Use_a_mix_of_credit_types_Having_a_mix_of_different_types_of_credit_such_as_a_mortgage_car_loan_and_credit_card_can_be_beneficial_for_your_credit_score\"><\/span><span><span style=\"font-weight: 700; color: #fff0d8\">Use a mix of credit types<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">Having a mix of different types of credit, such as a mortgage, car loan, and credit card, can be beneficial for your credit score.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"66fc37da-e6fb-4afa-9bc3-0d3d795470af\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c8ef26e5-9735-4891-8f56-db4a6ae12cb9\",\"keyframes\":{\"transform\":[\"translate3d(-115.2381%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e29729bb-4459-442e-9e17-9e333c1ec802\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-60769b46-fbd4-40d4-a6d9-e47bd9dc9a90\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#122036\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-38e3d1b9-ca3d-4388-a28c-7a6c42cc3a09\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:24.27184%;width:76.45631%;height:51.45631%;opacity:1\">\n<div id=\"anim-c8ef26e5-9735-4891-8f56-db4a6ae12cb9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-115.2381%, 0px, 0)\">\n<div id=\"anim-e29729bb-4459-442e-9e17-9e333c1ec802\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-60769b46-fbd4-40d4-a6d9-e47bd9dc9a90\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 0.628930817610063% 0.628930817610063% 0.628930817610063% 0.628930817610063%\" id=\"el-acc20e4c-f60b-4d42-a3f7-11e2d92b9e2f\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:4.312380952380952% 0;font-family:&quot;BioRhyme&quot;,serif;font-size:0.517799em;line-height:0.7;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Be_mindful_of_your_credit_utilization_The_amount_of_credit_you_use_compared_to_your_credit_limit_is_known_as_your_credit_utilization_which_can_have_a_big_impact_on_your_score\"><\/span><span><span style=\"color: #f7722f\">Be mindful of your credit utilization<\/span><\/p>\n<p><span style=\"color: #fff\">The amount of credit you use compared to your credit limit is known as your credit utilization, which can have a big impact on your score.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"5e217368-3c22-4070-b839-a2479d11a21e\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3dbc8850-29db-4aa0-a42c-972ff85b5d5a\",\"keyframes\":{\"transform\":[\"translate3d(121.87500%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d86369ee-8209-494b-9c26-9c23fa564b4b\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-78f44199-167a-40c7-9cad-d1f7f9699f2a\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#414c40\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-456655f5-396b-43c9-97f0-257dbb6c0571\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:14.80583%;top:22.00647%;width:69.90291%;height:56.14887%;opacity:1\">\n<div id=\"anim-3dbc8850-29db-4aa0-a42c-972ff85b5d5a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(121.87500%, 0px, 0)\">\n<div id=\"anim-d86369ee-8209-494b-9c26-9c23fa564b4b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-78f44199-167a-40c7-9cad-d1f7f9699f2a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6944444444444444% 0.6944444444444444% 0.6944444444444444% 0.6944444444444444% \/ 0.5763688760806917% 0.5763688760806917% 0.5763688760806917% 0.5763688760806917%\" id=\"el-b368fc6f-70b8-4bf3-9748-070a95ce887a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.30555555555555525% 0;font-family:&quot;Mulish&quot;,sans-serif;font-size:0.517799em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #f9e46c\">Monitor your credit report<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">Review your credit report regularly to make sure that it&#8217;s accurate and to spot any potential errors.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"e300328e-e616-4e86-8d4d-405f79c8d465\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-415083aa-4767-4fa2-8071-35813679bde7\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-bfd82d72-ec00-4abe-ad4a-bff1933fb7ea\",\"keyframes\":{\"transform\":[\"translate3d(0px, 152.01739%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#235524\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-8bb6b7a6-b775-4404-a7a1-5a21c9bd09b6\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.1068%;top:21.19741%;width:73.54369%;height:57.9288%;opacity:1\">\n<div id=\"anim-415083aa-4767-4fa2-8071-35813679bde7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-bfd82d72-ec00-4abe-ad4a-bff1933fb7ea\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 152.01739%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6600660066006601% 0.6600660066006601% 0.6600660066006601% 0.6600660066006601% \/ 0.5586592178770949% 0.5586592178770949% 0.5586592178770949% 0.5586592178770949%\" id=\"el-36ad7554-060d-4f51-b2a4-1a64118e3e86\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.0666666666666664% 0;font-family:&quot;DM Sans&quot;,sans-serif;font-size:0.517799em;line-height:1.1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fcefab\">Don&#8217;t co-sign for someone else&#8217;s loan<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">Co-signing for someone else&#8217;s loan can put your credit at risk if they don&#8217;t make payments on time.&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A bad credit score can lead to financial loss.  People with good credit should be cautious about checking their credit reports regularly. <\/p>\n","protected":false},"author":152,"featured_media":67328,"template":"","meta":{"web_stories_publisher_logo":59216,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[17592,17606,15133,17611,17603,17590,17604,17609,17610,17601,17591,17600,17595,17596,17594,17593,17599,17602,17607,17605,17598,17597,17608],"class_list":["post-67325","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"story_data":{"version":46,"pages":[{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"86b7cd9c-0f43-4e0c-ba1c-73848c8fb490"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":false,"scale":100,"focalX":50,"focalY":50,"resource":{"type":"image","mimeType":"image\/jpeg","width":740,"height":493,"sizes":[],"isPlaceholder":false,"isExternal":true,"needsProxy":true,"src":"https:\/\/img.freepik.com\/free-vector\/businessman-pulling-speedometer-from-poor-good-performance_74855-20012.jpg?w=740&t=st=1674023614~exp=1674024214~hmac=ca25f089d3a38d44f91bef1e6cd7520e4b3d3bf8d4f3e36da8e2ba3f6a41aef1","id":"e9ecdee9-3a57-4a95-a421-16d807c627a3","alt":"businessman-pulling-speedometer-from-poor-good-performance_74855-20012.jpg","baseColor":"#d6e2da"},"type":"image","x":-24,"y":328,"width":459,"height":305,"mask":{"type":"rectangle","showInLibrary":true,"name":"Rectangle","path":"M 0,0 1,0 1,1 0,1 0,0 Z","ratio":1,"supportsBorder":true},"id":"f441e153-f9ac-49cf-88e4-92a4ae178ed8"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"BioRhyme","fallbacks":["serif"],"weights":[200,300,400,700,800],"styles":["regular"],"variants":[[0,200],[0,300],[0,400],[0,700],[0,800]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":1127,"des":-422,"tAsc":1127,"tDes":-422,"tLGap":0,"wAsc":1127,"wDes":422,"xH":471,"capH":686,"yMin":-369,"yMax":1117,"hAsc":1127,"hDes":-422,"lGap":0}},"fontSize":33,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false,"horizontal":0,"vertical":0},"type":"text","content":"<span style=\"font-weight: 700; color: #e48569\">How to Build and Maintain Good Credit<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"x":48,"y":76,"width":316,"height":130,"id":"1b54bb7c-7ede-46d3-a92f-834634c503b9"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"type":"sticker","x":137,"y":229,"width":137,"height":72,"sticker":{"type":"cookingArrow"},"id":"bdb091ff-83bc-4c1e-91aa-99b0f1987786"}],"backgroundColor":{"color":{"r":255,"g":255,"b":255}},"type":"page","id":"1aa71918-2ad7-4183-9432-b8ae77cd82ba"},{"elements":[{"x":1,"y":1,"width":1,"height":1,"type":"shape","opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"mask":{"type":"rectangle"},"isBackground":true,"id":"f68d84af-0fd6-4acd-b1b2-a6636d953138","isDefaultBackground":true,"basedOn":"6a6e5101-6d92-4c64-b1b6-124cf9cce0b1"},{"x":51,"y":134,"width":313,"height":281,"font":{"family":"Playfair Display","fallbacks":["serif"],"weights":[400,500,600,700,800,900],"styles":["regular","italic"],"variants":[[0,400],[0,500],[0,600],[0,700],[0,800],[0,900],[1,400],[1,500],[1,600],[1,700],[1,800],[1,900]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":1082,"des":-251,"tAsc":1082,"tDes":-251,"tLGap":0,"wAsc":1159,"wDes":251,"xH":514,"capH":708,"yMin":-241,"yMax":1159,"hAsc":1082,"hDes":-251,"lGap":0}},"type":"text","opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1,"textAlign":"center","id":"d5fae044-bb70-43de-a776-047e5f4f3b7b","content":"<span style=\"font-weight: 700; color: #ff3101\">Keep your credit card balances low<\/span>\n\n<span style=\"font-weight: 700\">High credit card balances can signal to lenders that you're overextended and may not be able to make payments on time.<\/span>","fontSize":30,"padding":{"horizontal":0,"vertical":0},"tagName":"p","basedOn":"d773925c-2f95-44c0-9b0e-0743d45476f2"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"type":"sticker","x":312,"y":442,"width":102,"height":135,"sticker":{"type":"fashionStarburstWithArrow"},"id":"053866e2-e189-40de-bbf5-745cedf2c3f8","basedOn":"9c4ccb62-0860-456c-b949-af0ffd4eedfa"}],"animations":[{"id":"71129a0e-615b-4f52-82a2-d25f23503333","type":"effect-fly-in","targets":["d5fae044-bb70-43de-a776-047e5f4f3b7b"],"flyInDir":"leftToRight","duration":1500,"delay":0},{"id":"5922d28a-cb51-4af4-8024-d9163941217c","type":"effect-fade-in","targets":["053866e2-e189-40de-bbf5-745cedf2c3f8"],"duration":2000,"delay":0}],"type":"page","id":"a38ed401-3a19-4e16-bc44-f6be056090e5","backgroundColor":{"color":{"r":255,"g":236,"b":227}},"pageTemplateType":"quote"},{"elements":[{"x":1,"y":1,"width":1,"height":1,"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"mask":{"type":"rectangle"},"isBackground":true,"type":"shape","id":"f6932f5f-6ef7-42ab-ae0b-d2f1d9498243","isDefaultBackground":true,"basedOn":"df765066-cd07-49bf-8ef7-02ae6f2b3330"},{"x":48,"y":164,"width":316,"height":289,"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Source Serif Pro","fallbacks":["serif"],"weights":[200,300,400,600,700,900],"styles":["italic","regular"],"variants":[[0,200],[1,200],[0,300],[1,300],[0,400],[1,400],[0,600],[1,600],[0,700],[1,700],[0,900],[1,900]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":918,"des":-335,"tAsc":918,"tDes":-335,"tLGap":0,"wAsc":1036,"wDes":335,"xH":475,"capH":670,"yMin":-335,"yMax":1002,"hAsc":918,"hDes":-335,"lGap":0}},"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1,"textAlign":"center","type":"text","basedOn":"dd32270f-eb83-45ff-917b-edf80e86b024","id":"edffd65b-e218-4c9d-90e9-0a8768d6db50","content":"<span style=\"font-weight: 700; color: #fdf5dc\">Don't close old credit accounts<\/span>\n\n<span style=\"font-weight: 700; color: #fff\">Length of credit history is an important factor in determining your credit score.<\/span>","fontSize":35,"padding":{"horizontal":0,"vertical":0}}],"animations":[{"id":"40aaa9da-14e9-4b44-95a1-845fbe26c981","type":"effect-fly-in","targets":["edffd65b-e218-4c9d-90e9-0a8768d6db50"],"flyInDir":"bottomToTop","duration":1500,"delay":0}],"type":"page","id":"fa2a2ca4-9dfc-4287-b7c0-3c51d7efad99","backgroundColor":{"color":{"r":31,"g":42,"b":46}},"pageTemplateType":"cover"},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"126fbb13-565c-49f0-b654-d14ad50c8d84","basedOn":"ae80a8d5-0bc5-41dd-ad68-6c3637eb573d"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Trykker","fallbacks":["serif"],"weights":[400],"styles":["regular"],"variants":[[0,400]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2022,"des":-538,"tAsc":2022,"tDes":-538,"tLGap":0,"wAsc":2022,"wDes":538,"xH":1013,"capH":1492,"yMin":-539,"yMax":2027,"hAsc":2022,"hDes":-538,"lGap":0}},"fontSize":31,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.4,"textAlign":"center","padding":{"vertical":0,"horizontal":0,"locked":true},"type":"text","content":"<span style=\"font-weight: 700; color: #590d22\">Limit new credit applications<\/span>\n\n<span style=\"font-weight: 700\">Each time you apply for credit, it shows up on your credit report, which can have a negative impact on your score.<\/span>","borderRadius":{"locked":true,"topLeft":0,"topRight":0,"bottomRight":0,"bottomLeft":0},"width":311,"height":430,"basedOn":"2a0e6c2d-2b10-4b9d-9efe-5bf60e3e3d3d","id":"94cdfa02-db4d-494a-901c-84950c319c63","x":53,"y":95,"marginOffset":3.299999999999997,"tagName":"p"}],"animations":[{"id":"667f2a7b-605b-4075-b38e-a55e79433bf7","type":"effect-fly-in","targets":["94cdfa02-db4d-494a-901c-84950c319c63"],"flyInDir":"rightToLeft","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":188,"g":235,"b":238}},"type":"page","id":"d290c1e3-b0f1-4b0a-a0b4-c291d50a7cf9","pageTemplateType":"editorial"},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"9bff4f76-8d30-46c5-b092-c972962fc72d","basedOn":"de01aa50-cfbb-438d-a357-5d5e3fdac4a9"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":false,"backgroundColor":{"color":{"r":45,"g":42,"b":53}},"type":"shape","width":37,"height":35,"mask":{"type":"triangle"},"basedOn":"058e4521-038d-4034-be16-f80248526262","id":"e69c0e21-ac3f-4fab-a566-2550d0fd5128","x":57,"y":402},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Trykker","fallbacks":["serif"],"weights":[400],"styles":["regular"],"variants":[[0,400]],"service":"fonts.google.com","metrics":{"upm":2048,"asc":2022,"des":-538,"tAsc":2022,"tDes":-538,"tLGap":0,"wAsc":2022,"wDes":538,"xH":1013,"capH":1492,"yMin":-539,"yMax":2027,"hAsc":2022,"hDes":-538,"lGap":0}},"fontSize":32,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.18,"textAlign":"center","padding":{"vertical":0,"horizontal":0,"locked":true},"type":"text","content":"<span style=\"font-weight: 700; color: #fff0d8\">Use a mix of credit types<\/span>\n\n<span style=\"font-weight: 700; color: #fff\">Having a mix of different types of credit, such as a mortgage, car loan, and credit card, can be beneficial for your credit score.<\/span>","borderRadius":{"locked":true,"topLeft":0,"topRight":0,"bottomRight":0,"bottomLeft":0},"width":309,"height":380,"basedOn":"b77a2dd4-5b1f-4b65-ad07-0689182056df","id":"ca60703b-0743-4e37-8458-dec46968a818","x":52,"y":119,"tagName":"h1"}],"animations":[{"id":"95578feb-472a-4c4b-97cb-8e9363a9609b","type":"effect-fly-in","targets":["ca60703b-0743-4e37-8458-dec46968a818"],"flyInDir":"topToBottom","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":45,"g":42,"b":53}},"type":"page","id":"48eb14c5-ed00-494b-922e-245c63c95904","pageTemplateType":"cover"},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"38e3d1b9-ca3d-4388-a28c-7a6c42cc3a09","basedOn":"11ef0ff2-7ece-45b6-b2ff-64736e54ce84"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"BioRhyme","fallbacks":["serif"],"weights":[200,300,400,700,800],"styles":["regular"],"variants":[[0,200],[0,300],[0,400],[0,700],[0,800]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":1127,"des":-422,"tAsc":1127,"tDes":-422,"tLGap":0,"wAsc":1127,"wDes":422,"xH":471,"capH":686,"yMin":-369,"yMax":1117,"hAsc":1127,"hDes":-422,"lGap":0}},"fontSize":32,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":0.7,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false},"type":"text","content":"<span style=\"color: #f7722f\">Be mindful of your credit utilization<\/span>\n\n<span style=\"color: #fff\">The amount of credit you use compared to your credit limit is known as your credit utilization, which can have a big impact on your score.<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"x":48,"y":150,"width":315,"height":318,"id":"acc20e4c-f60b-4d42-a3f7-11e2d92b9e2f","marginOffset":-33.45600000000001,"groupId":"c45c4c27-b9c6-4fb5-95e7-6292b90a8bd5","basedOn":"21504a29-21d8-4674-80c4-156ee7dbbd13"}],"animations":[{"id":"2057036f-47c5-47a0-8c15-ee60ffdef7b1","type":"effect-whoosh-in","targets":["acc20e4c-f60b-4d42-a3f7-11e2d92b9e2f"],"whooshInDir":"leftToRight","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":18,"g":32,"b":54}},"type":"page","id":"66fc37da-e6fb-4afa-9bc3-0d3d795470af","pageTemplateType":"section","groups":{"c45c4c27-b9c6-4fb5-95e7-6292b90a8bd5":{"name":"Info","isLocked":false,"isCollapsed":false}}},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"456655f5-396b-43c9-97f0-257dbb6c0571","basedOn":"64f456bd-299a-4010-bd20-15c2f2461a0a"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"Mulish","fallbacks":["sans-serif"],"weights":[200,300,400,500,600,700,800,900],"styles":["regular","italic"],"variants":[[0,200],[0,300],[0,400],[0,500],[0,600],[0,700],[0,800],[0,900],[1,200],[1,300],[1,400],[1,500],[1,600],[1,700],[1,800],[1,900]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":1005,"des":-250,"tAsc":1005,"tDes":-250,"tLGap":0,"wAsc":1065,"wDes":297,"xH":500,"capH":705,"yMin":-270,"yMax":1036,"hAsc":1005,"hDes":-250,"lGap":0}},"fontSize":32,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.2,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false},"type":"text","content":"<span style=\"font-weight: 700; color: #f9e46c\">Monitor your credit report<\/span>\n\n<span style=\"font-weight: 700; color: #fff\">Review your credit report regularly to make sure that it's accurate and to spot any potential errors.<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"width":288,"height":347,"marginOffset":-1.3749999999999964,"basedOn":"52330206-e62d-4b73-ab4b-45007c92d184","id":"b368fc6f-70b8-4bf3-9748-070a95ce887a","x":61,"y":136,"tagName":"p"}],"animations":[{"id":"0b8080c5-a6fb-4ad4-b9cf-3d5be28c2d43","type":"effect-whoosh-in","targets":["b368fc6f-70b8-4bf3-9748-070a95ce887a"],"whooshInDir":"rightToLeft","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":65,"g":76,"b":64}},"type":"page","id":"5e217368-3c22-4070-b839-a2479d11a21e","pageTemplateType":"editorial","groups":{"97ee6113-8c21-4119-8320-fe78b06b3083":{"name":"Header","isLocked":false,"isCollapsed":true},"3d3cf946-8e76-4eca-862b-edb8719354f3":{"name":"Background","isLocked":true,"isCollapsed":true}}},{"elements":[{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"x":1,"y":1,"width":1,"height":1,"mask":{"type":"rectangle"},"isBackground":true,"isDefaultBackground":true,"type":"shape","id":"8bb6b7a6-b775-4404-a7a1-5a21c9bd09b6","basedOn":"a12d712a-78d4-472f-bb2f-d1032c992fca"},{"opacity":100,"flip":{"vertical":false,"horizontal":false},"rotationAngle":0,"lockAspectRatio":true,"backgroundTextMode":"NONE","font":{"family":"DM Sans","fallbacks":["sans-serif"],"weights":[400,500,700],"styles":["regular","italic"],"variants":[[0,400],[1,400],[0,500],[1,500],[0,700],[1,700]],"service":"fonts.google.com","metrics":{"upm":1000,"asc":992,"des":-310,"tAsc":992,"tDes":-310,"tLGap":0,"wAsc":992,"wDes":310,"xH":496,"capH":700,"yMin":-261,"yMax":967,"hAsc":992,"hDes":-310,"lGap":0}},"fontSize":32,"backgroundColor":{"color":{"r":196,"g":196,"b":196}},"lineHeight":1.1,"textAlign":"center","padding":{"locked":true,"hasHiddenPadding":false},"type":"text","content":"<span style=\"font-weight: 700; color: #fcefab\">Don't co-sign for someone else's loan<\/span>\n\n<span style=\"font-weight: 700; color: #fff\">Co-signing for someone else's loan can put your credit at risk if they don't make payments on time.&nbsp;<\/span>","borderRadius":{"locked":true,"topLeft":2,"topRight":2,"bottomRight":2,"bottomLeft":2},"width":303,"height":358,"basedOn":"7b178d50-8276-4635-8143-50b327621dd4","id":"36ad7554-060d-4f51-b2a4-1a64118e3e86","x":54,"y":131,"tagName":"p"}],"animations":[{"id":"58a1c8c2-64ce-4223-a455-fc2974796123","type":"effect-fly-in","targets":["36ad7554-060d-4f51-b2a4-1a64118e3e86"],"flyInDir":"bottomToTop","duration":1500,"delay":0}],"backgroundColor":{"color":{"r":35,"g":85,"b":36}},"type":"page","id":"e300328e-e616-4e86-8d4d-405f79c8d465","pageTemplateType":"editorial"}],"autoAdvance":true,"defaultPageDuration":7,"currentStoryStyles":{"colors":[]}},"story_poster":{"id":67328,"url":"https:\/\/s3.amazonaws.com\/static.the-next-tech.com\/wp-content\/uploads\/2023\/01\/18124109\/Cover-Image-75.jpg","width":640,"height":853,"needsProxy":false},"_links":{"self":[{"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web-story\/67325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web-story"}],"about":[{"href":"https:\/\/www.the-next-tech.com\/rest\/wp\/v2\/types\/web-story"}],"author":[{"embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/users\/152"}],"version-history":[{"count":1,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web-story\/67325\/revisions"}],"predecessor-version":[{"id":67329,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web-story\/67325\/revisions\/67329"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/media\/67328"}],"wp:attachment":[{"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/media?parent=67325"}],"wp:term":[{"taxonomy":"web_story_category","embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web_story_category?post=67325"},{"taxonomy":"web_story_tag","embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web_story_tag?post=67325"}],"wp:lock":[{"embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/web-story\/67325\/lock"}],"wp:publisherlogo":[{"embeddable":true,"href":"https:\/\/www.the-next-tech.com\/rest\/web-stories\/v1\/media\/59216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}