Your credit scorea three-digit number lenders use to help them decide how likely it is theyll be repaid on time if they grant you a credit card or loanis an important factor in your financial life. The higher your scores, the more likely you are to qualify for loans and credit cards at the most favorable terms, which will save you money. If your credit history is not where you want it to be, youre not alone. Improving your credit scores takes time, but the sooner you address the issues that might be dragging them down, the faster your credit scores will go up. You can increase your scores by…