Not all credit checks hurt your score. Soft inquiry: • Checking your own credit • Pre-approvals Hard inquiry: • Applying for loans or credit cards Too many hard inquiries in a short time can lower your score. #CreditEducation

• 📈 Builds credit history – Shows lenders you can manage credit. • 💳 Improves credit score – Positive payment history boosts your score. • 📊 Lowers utilization – Higher credit limits reduce your usage percentage. • ⏳ Adds account age – Older accounts strengthen your credit profile. • 🏦 Better approvals – Helps qualify for loans, credit cards, and housing.

Don’t stop slaying it yall got this !!!👍💪💪💪 💳 Quick Credit History The FICO score was created in 1989 by Fair, Isaac & Company to give lenders a consistent way to evaluate credit risk. Today, about 90% of major U.S. lenders use FICO scores for credit cards, mortgages, and auto loans. Your score is mainly based on: • Payment history – 35% • Credit utilization – 30% • Length of credit history – 15% • New credit inquiries – 10% • Credit mix – 10% Understanding how credit works puts you ahead of most people. #CreditEducation #FinancialLiteracy #CreditRepair

I’m going to drop a little nugget for yall.. 😌 Information will change your situation.. now you can’t say I didn’t help you 😉.

I wanna learn how to fix my credit. I have no collections and most of my accounts are negative due to the fact they are closed accounts from charged off’s!