 TITLE: What Is Piggybacking Credit? CONTENT: Managing Your Credit History\n----------------------------\nAs you work to improve your credit history, it's important to monitor your credit report and make adjustments to your financial behavior so you can see long-term results. Here are the five actions you can take to help positively manage your credit history.\n1.  Pay all of your bills on time.\n2.  Keep your credit utilization below 30%. With each of your revolving credit accounts, such as credit cards and lines of credit, make sure your balances stay low relative to the credit limits on the accounts. For the best credit scores, keep your utilization under 10%.\n3.  Diversify the types of credit accounts you have (credit cards, personal loans, auto loans and so on) to create a good credit mix.\n4.  Minimize the number of hard inquiries in your credit file over a short period of time. Too many inquiries can hurt your credit scores.\n5.  Keep your accounts in good standing to avoid having negative information appear on your credit report, such as late or missed payments, foreclosures and collection accounts. END