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.

We’re excited to officially release our Beginning Entry Course inside RSC Credit Club. This course was created to help you: ✔ Build a strong understanding of how credit works ✔ Learn the fundamentals the right way ✔ See credit from a broader, clearer perspective ✔ Create a solid foundation before moving forward Whether you’re new to credit or looking to tighten your knowledge, this course is the starting point that brings everything together. We strongly encourage all members to complete this course first — it will help you make better decisions, ask better questions, and move through the community with confidence. Education creates clarity. Clarity creates progress. Head to the classroom and get started today.

Good credit will never be built over night, it takes time. Keep balances low, pay on time, and always check your credit report for accuracy. Remember, small habits consistently lead to BIG results.

📥 New Credit Tools Just Dropped We released 2 new free cheat sheets to help you understand your credit faster and smarter. Simple. Clear. Useful. You can view them in the classroom tab

@DeAiress Frazier WAY TO GO