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GOBankingRates asked Roman for five genius strategies to add to your arsenal for using banks toimprove your credit score.

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Start by forming a great connection with your bank.

Many banks and financial institutions, like Experian, offer a free or paid membership.

With that access comes many financial tools that help consumers manage their financial health.

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Because of this, consumers start reviewing their credit reports, Roman said.

A consumers credit report helps them see what areas need improvement.

Learn How Your Bank Views Credit

Roman suggested that consumers understand what most impacts their credit score.

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This can be done by asking their bank how the bank itself views credit and what affects it.

Consumers must make their payments on time to maintain a good credit score, she said.

They should strive to pay off their debts and pay their credit card balances in full each month.

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