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A number everyone should know is their credit score.

In this edition of Beat the System, we’ll take a look at what really affects your and doesn’t really matter, thanks to

The big deal – payment history. That means pay all of your bills on time, all of the time.

How long have you had your accounts? That is also very influential, and so is the percent of your limit that you use. recommends keeping your debt lower than 30 percent of your limit.

Recent credit inquiries, on the other hand, don’t matter much. Just try to keep from opening too many accounts too quickly.