 TITLE: 5 Ways to Break Bad Credit Habits CONTENT: Building Credit Takes Time, But Every Effort Makes a Difference\n---------------------------------------------------------------\nDeveloping good credit habits won't happen overnight, especially if you have to tackle delinquent accounts and large credit card balances. But the sooner you begin working on improving your credit history, the more of a positive impact you'll be able to make.\nAs you continue to check your credit score, credit report and credit card bills regularly, pay on time, keep your credit card balances low, and keep old accounts open, you'll start seeing the fruits of your labors within a few months—and you'll be on the right track toward excellent credit. END