The document provides 5 reasons for maintaining vigilance over one's credit score: 1) Correct any inaccuracies reported in credit reports from Equifax, Experian, and TransUnion to improve the score quickly. 2) A longer credit history improves the score. 3) Keeping the credit utilization ratio, the amount owed versus the credit limit, below 20% can boost the score. 4) Taking out a personal loan from family or friends to pay down existing debt may help. 5) Continually focusing on one's credit score is important.

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5 Reasons for Credit Score Vigilance
Equifax, Experian and TransUnion
Correct
Inaccuracies
The fastest way to
improve your credit
score is to correct any
inaccuracies.
Credit
History
A longer credit
history improves your
credit score.
Utilization
Ratio
In order to improve
your credit score,
keep your credit
utilization ratio below
20%.
Personal
Loan
If you have a family
member or friend
that you can borrow
from, consider taking
out a loan in order to
pay down a portion
of existing debt.
Stay
Focused
Your credit score
really matters!