đ¨ The Truth About Credit Scores You Donât Hear Enough About
Your credit score is more than just a number.Itâs a reflection of your financial behavior, not your financial worth. Hereâs the real deal: 1ď¸âŁ Itâs Not About Being âPerfectâA good credit score doesnât mean youâve never had a financial hiccup.It means youâve consistently shown the ability to manage debt responsibly. 2ď¸âŁ Credit Utilization Is KeyUsing 30% or less of your available credit is often the sweet spot for boosting your score.Too much debt? Your score drops.Too little debt? Your score doesnât grow. 3ď¸âŁ Timely Payments Matter30% of your credit score depends on your payment history.Missed payments? Big impact.On-time payments? It builds trust. 4ď¸âŁ Itâs Not Just About Credit CardsLoans, mortgages, and even your phone bill can impact your score.Itâs all about how you manage the balance and pay over time. Understanding these simple principles is the first step toward building strong, sustainable credit. Itâs not a sprint, but a marathon. Want to take control of your credit?Letâs talk about what strategies fit your situation. đŹ Drop a âYESâ or send a DM to learn how to improve your score today.