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: Older accounts are better. Keep longstanding accounts open, even if you don't use them frequently.

: The most critical factor. Even one payment 30 days late can drop your score by 60 to 110 points. acreditscore

: Opening multiple new accounts in a short period creates "hard inquiries," which can temporarily lower your score. The guide to building a rock-solid business credit score : Older accounts are better

: This measures your "credit utilization"—how much of your total available limit you are using. Aim to keep this below 30%. acreditscore