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A reader writes in looking for a clear answer on how often his credit score changes and how generally he should take a look all important three-digit quantity. When utilized wisely, credit cards can help you build a credit score from the ground up or enhance the one you already have. If you have several credit cards, each with a harmony, you accumulate nuisance balances. Assuming you have each one of these little balances and do not pay them off promptly, it can decrease your credit score. Ideally, you should use no more than 20 percent of one's credit limit. See when you can strike bad reports from your own record.

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