Joy was pleased with our credit score after we let WalletHub.com evaluate us. Last December WalletHub became the first website to offer free credit scores, full reports and a financial fitness analysis.
We learned on the site that it’s better to keep your credit card for a long time if you want to improve your score. Our average card is four years old. That’s considered new. (We can’t help but be tempted by new cash-back offers, and we tend to cancel old cards to avoid fees or prevent confusion.)