Freelancers face more credit scrutiny than employees. Learn how credit scores work and how to build an excellent one on self-employed income.
Banks and landlords are more cautious about freelancers. A strong credit score compensates for unpredictable income perception.
Payment history (35%): One 30-day late payment drops your score 50-100 points.
Utilization (30%): Keep cards below 10% of limit.
Length of history (15%): Never close your oldest card.
Credit mix (10%): Revolving plus installment is better than one type.
New credit (10%): Space out applications.
One credit card, small recurring bills, paid in full monthly. Repeat 12-24 months.
AnnualCreditReport.com for free annual reports. Dispute errors immediately.
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