Each application can cost points. Be strategic before applying. 👉🏼: Thinking about applying for credit? Ask the group first or comment “APPLY” for guidance.⛳️
Keep Credit Utilization Below 30% (10% Is Ideal) High balances hurt your score, even if you pay on time. Lower balances = faster score growth. 👉🏻 Drop a 💳 if you want help lowering your utilization the smart way.
Payment History Is King Your payment history makes up 35% of your credit score. One late payment can drop your score 60–100 points. Even if you can’t pay in full, always pay at least the minimum on time.
Hello, my name is Cameron or Cam. I’m from the Downriver area and I’m here to develop a strong understanding of credit—how to build it, analyze reports, and apply that knowledge to create real impact. My goal is to not only improve my own financial future, but also help everyone I work with do the same. While I’m new to the credit industry, I bring proven experience in sales, including automotive, energy, and mobile services. I’m confident these skills will allow me to contribute value to the team in multiple ways. I’m motivated, coachable, and ready to get to work⛳️💪🏼