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Long-Term Strategies for Sustained Credit Improvement

While these quick fixes can offer immediate relief, sustainable credit health requires a long-term strategy:

- **Consistent On-Time Payments**: This is the most critical factor affecting your score. Setting up automatic payments or reminders can help ensure you never miss a due date.

- **Diversifying Credit Types**: Having a mix of credit accounts, such as credit cards, installment loans, and retail accounts, can positively influence your score over time.

- **Limiting Hard Inquiries**: Each hard inquiry can slightly lower your score. Be strategic about applying for new credit and only do so when necessary.