Credit management is a vital aspect of personal finance. Being proactive about it can help you prevent debt issues. In this blog, we’ll explore the best practices for proactive credit management to reduce the risk of debt problems and enhance your financial health. Monitor Your Credit Regularly check your credit reports from major bureaus to spot and correct any errors. Use Experian.co.uk for your credit report. Build a Strong Credit History Maintain a good credit history by making timely payments and low credit utilisation. Don’t max out your credit limits. Maintain an Emergency Fund An emergency fund prevents you from
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