Please provide a comprehensive guide with a clear and concise step-by-step approach for improving credit scores, including information on factors that affect it, common errors to avoid, tips for managing credit utilization, and ways to dispute inaccuracies in credit reports. The guide should also include actionable advice for establishing positive credit habits, such as paying bills on time and keeping credit card balances low. Additionally, provide strategies for monitoring credit scores and progress over time. Overall, the guide should be accessible and easy to follow for individuals who are new to credit or looking to improve their scores.
This prompt doesn't seem malicious.