A credit score records repayment habits, not income. What moves it, and the common misconceptions.
A score combines repayment history, debt level, account age and credit mix. Repayment history weighs most. High income with a missed payment scores low; modest income with years of on-time payments scores high. The score measures habit, not ability.
A small payment a few days late shakes the score more than years of good behaviour build it. Put card bills, phone bills and utilities on auto-pay โ the simplest defence. Schedule the debit for the day after payday so it never bounces.
High spending relative to your card limit reads as 'no headroom'. Staying under 30% of the limit helps, and simply raising the limit lowers utilisation. Opening and closing cards often shortens your account history and hurts.
Checking your own score has no effect on it. Reviewing it regularly and disputing wrong entries is a net gain. Any offer to raise your score in days deserves suspicion โ credit is a record built over time, and there is no shortcut.
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