Screen Shot 2016-02-03 at 11.46.08 AMJoy was pleased with our credit score after we let 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.)

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