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How to maximize your Dragon99 credit score

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A good credit score is essential for getting approved for loans, mortgages, and other forms of credit. It can also save you money on interest rates and fees. The Dragon99 credit scoring system is used by many lenders in Hong Kong, and it is important to understand how it works in order to maximize your score.

How the Dragon99 Credit Score Works

The Dragon99 credit score is based on a number of factors, including your payment history, the amount of debt you have, the length of your credit history, and the types of credit you use. Your payment history is the most important factor, and even a single late payment can have a significant impact on your score. The amount of debt you have is also important, and lenders prefer to see that you are using less than 30% of your available credit. The length of your credit history is also important, and lenders prefer to see that you have a long history of responsible borrowing. Finally, the types of credit you use can also impact your score. Lenders prefer to see that you have a mix of different types of credit, such as credit cards, car loans, and mortgages.

How to Improve Your Dragon99 Credit Score

There are a number of things you can do to improve your Dragon99 credit score. Here are a few tips:

  • Make all of your payments on time. This is the most important factor in determining your credit score.
  • Pay down your debt. The lower your debt-to-credit ratio, the better your score will be.
  • Keep your credit accounts open. Closing old credit accounts can shorten your credit history, which can hurt your score.
  • Apply for credit responsibly. Applying for too much credit in a short period of time can hurt your score.
  • Get a copy of your credit report and dispute any errors. Errors on your credit report can hurt your score.


By following these tips, you can improve your Dragon99 credit score and get approved for the loans and credit you need. A good credit score can save you money and make it easier to get approved for the things you want.

Additional Tips

  • Use a credit card for everyday purchases and pay the balance in full each month. This will help you build a positive payment history and keep your debt-to-credit ratio low.
  • Get a secured credit card if you have bad credit. A secured credit card is a good way to start building your credit history.
  • Monitor your credit report regularly for any signs of fraud or identity theft. If you see anything suspicious, report it to the credit bureaus immediately.

By following these tips, you can improve your Dragon99 credit score and achieve your financial goals.

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