Three Tips to Build Your Credit: You Can Do This!

Building credit can feel overwhelming, but with consistency, it’s achievable. Here are three tips to help you strengthen your credit:

1. Pay on Time, Every Time: Consistently paying your bills on time is one of the most impactful ways to build credit. Set up reminders or automatic payments to stay on track.


2. Keep Credit Utilization Low: Aim to use less than 30% of your available credit. Lower utilization shows lenders that you manage credit responsibly.


3. Pay More Than the Minimum: Whenever possible, pay more than the minimum monthly payment. This helps you pay off your balance faster, reduces interest charges, and demonstrates solid financial management.



Sometimes, we sabotage our own credit scores due to low self-worth, negative thoughts, or stress that clouds our judgment. If you feel overwhelmed, try using a planner or setting up notifications on your phone to remind you a day or two before a payment is due. If possible, set up automatic withdrawals to stay on track. Credit Karma is a good app to keep track of your credit score and monitor your progress.

Having a strong credit score not only provides better access to loans and lower interest rates but also positively impacts how others perceive you. It shows responsibility and reliability, qualities that can strengthen relationships and even improve job prospects, as many employers check credit reports as part of their hiring process.

Remember, practice makes perfect. If at first you don’t succeed, dust yourself off and try again. Keep trying until you get it right. Believe in yourself, stay consistent, and watch your credit grow. You’ve got this!