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So now you know what makes up your credit score.
The next question: how do you actually build it?
Good news — it’s simpler than people make it sound. 👇
🧱 Step 1: Start small
If you’re new to credit (or rebuilding), open a secured credit card or a credit-builder loan.
They’re designed to help you prove you can handle credit responsibly.
⏰ Step 2: Pay on time, every time
Seriously — this is the golden rule.
Set up automatic payments or reminders. Even one late payment can hurt your score.
💳 Step 3: Keep your utilization low
This just means: don’t max out your card.
Aim to use less than 30% of your limit — or even better, under 10%.
🧠 Step 4: Keep accounts open (if you can)
Older accounts show lenders you’ve been responsible for longer.
So unless a card has crazy fees, keep it active.
📈 Step 5: Check your credit regularly
Use Credit Karma, Experian, or your bank’s free tools.
Watching your progress feels really good — like leveling up financially.
This week’s challenge:
If your credit is new or low, apply for one small builder card.
Use it for one or two things (like gas or groceries) and pay it off monthly.
Tiny habits = huge results over time.
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