🕯️ Happy First Day of Kwanzaa — Umoja (Unity) Today we honor Umoja, the principle of Unity. Unity reminds us that growth happens when we support one another, learn together, and move with shared purpose. Here at RSC Credit Club, community is the foundation — we build stronger when we don’t build alone. May today be a moment to reflect, connect, and recommit to progress — personally, financially, and collectively. Wishing everyone peace, clarity, and continued growth as Kwanzaa begins. — RSC Credit Club

Pay your credit card balance before the statement closing date not just the due date. This helps keep your reported balance low, which can boost your score even if you use your card regularly.

• Checking your own credit does not hurt your score • Paying a collection doesn’t always remove it • You can have three different credit scores at the same time • High balances can hurt your score even if you pay on time • Late payments hurt less as they get older • Credit repair is a process, not a one-time fix • Closing old accounts can actually lower your score • Some negative items can stay on your report for 7+ years • Not all lenders report to all three bureaus • Your credit report matters more than your credit score • Disputes must be done per credit bureau • You don’t need perfect credit to get approved just smart habits

1. Trying to fix everything at once!! You want to work on as many disputes as possible, so that when you send them in you can see a BIG return around the same time. The more the disputes the better the results. Your credit improves faster when you focus and have order. 2. Ignoring balances while chasing deletions you want to focus on the balance and not so much on the negative things. Utilization matters every month so keep utilization under 30%. 3. Checking scores too often instead of reports!! Your report is more important than the number. 4. Closing old accounts too soon can shorten your credit history and raise your utilization. Credit history is just as important as your utilization. 5. Expecting immediate results!! Credit moves in cycles not in days. Understanding your credit cycles and knowing when things are due attached to your credit report. Reading your credit report and understanding what's on it. When you know what's on your credit report, you know what to work towards. Does checking your credit report affects your credit score? NO, it does not! You want to check your credit score regularly to make sure it is accurate.

The answer is NO!! You should check your credit score regularly to make sure everything is accurate.