What steps can an individual take to improve a credit score? Check all that apply. make all loan payments on time

check credit reports for accuracy

avoid opening credit accounts that are not needed

apply for several new credit cards

use all available credit

keep balances low

1,2,3,6

make all loan payments on time

check credit reports for accuracy

avoid opening credit accounts that are not needed

keep balances low

First, second and third.

Applying for several new credit cards might imply that the consumer has lavish tastes and thus may have a higher risk of personal bankruptcy if they cannot pay it off. Low balances indicate lack of liquidity, and using all available credit may cause a bank to notice that the consumer has bad habits or be led on to believe so. All of these will affect their credit scores negatively, whereas the first three reflects good judgement in financial management.