Uncover valuable information and solutions with IDNLearn.com's extensive Q&A platform. Ask your questions and get detailed, reliable answers from our community of experienced experts.

Choose all that apply.

Select all of the strategies for avoiding credit problems.

Get rid of unnecessary expenses.
Run a credit report annually.
Create a budget and stick to it.
Pay bills on time.
Set goals.
Use the debt-to-income ratio to determine if you are ready for a big purchase.