Credit Tip · RSC CREDIT CLUB

Credit Tip

Your credit isn’t about perfection, it’s about patterns. Lenders look at how often you pay on time, how much of your credit you use, and how responsibly you manage what you have.

Late payments, high balances, and collections can lower your score, but consistency can rebuild it. Paying on time, keeping balances low, and reviewing your credit report for accuracy all make a real difference over time.

Credit improvement is a process, not a quick fix and small changes add up.

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