Here are a few helpful resources to begin improving your credit the right way: 1️⃣ Credit Score Breakdown (What Impacts Your Score Most) • Payment History – 35% • Utilization – 30% • Credit Age – 15% • Mix – 10% • Inquiries – 10% 2️⃣ Monthly Credit Tracking Template Keep track of: • Score changes • Utilization % • Balances • New accounts • Goals 3️⃣ Dispute Letter Templates (Basics) Use these only for inaccuracies or outdated information. ✨ DOWNLOADS (attach files here) You can upload: 📄 A PDF “Credit Starter Kit” 📄 A monthly tracker (Google Sheets or PDF) 📄 1–2 basic dispute letter templates