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  In the ever-changing landscape of personal finance, maintaining a healthy credit score is crucial for achieving financial success.  As we step into 2024, it is essential to understand the latest trends and strategies that can help you maximize your credit score and unlock new opportunities for lending, housing, and more. In this blog post, we will delve into the key factors that influence your credit score and provide you with actionable tips to boost your score in 2024.   Understanding Your Credit Score   Your credit score is a three-digit number that reflects your creditworthiness based on your credit history. In 2024, the most widely used scoring model is FICO Score, which ranges from 300 to 850.  The higher your score, the better your creditworthiness in the eyes of lenders. Key factors that influence your credit score include:   1. Payment History: Timely payments on your credit accounts are crucial to maintaining a good credit score. 2. Credit Utilization: The amo