What steps can an individual take to improve a credit score? Check all that apply.make all loan payments on timecheck credit reports for accuracyavoid opening credit accounts that are not neededapply for several new credit cardsuse all available creditkeep balances low

Paying loans on time builds a positive payment history, and checking credit reports helps you find and correct errors. Avoiding unnecessary new accounts limits hard inquiries and excess debt. Keeping balances low improves credit utilization; applying for several new cards or using all available credit can hurt your score.

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