Credit Card Part 3: Credit History

Did you know that your credit history impacts your credit score? Much like how your grades earned early in your college career impacted your final GPA, your credit history affects your credit score. Your credit history is analyzed in two ways: the duration of time you’ve had any type of credit as well as how long you have had each type of credit. Did you know if you have a credit card and you don’t use it, it may negatively impact your credit score?

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