A strong credit score opens doors—from lower interest rates to better job opportunities and housing options. But building and maintaining great credit doesn’t have to be complicated.

Understand the Basics

Your credit score is based on:

• Payment history (35%)
• Amounts owed (30%)
• Length of credit history (15%)
• Credit mix (10%)
• New credit inquiries (10%)

Steps to Improve Your Score

• Pay every bill on time (even minimums)
• Keep credit card balances below 30% of your limit
• Don’t close old accounts unnecessarily
• Check your credit report annually (free at AnnualCreditReport.com)

Fixing Credit Errors

If you find errors, dispute them in writing with supporting documents. You can raise your score by fixing even small mistakes.

👉 Need help repairing your credit? DM me or check out the credit tools in my Budget & Debt Bundle!