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HOW TO START BUILDING CREDIT

HOW TO START BUILDING CREDIT

We all enjoy the liberty to fully express ourselves financially, right? Well this comes with understanding and maintaining credit. In order to be trusted, you have to prove yourself- and that’s how credit works!

Credit is the vehicle that allows us to qualify for the things we need! (i.e homes, credit cards, cars, jobs etc.) It can take years to build and little to no time to ruin. In order to be a responsible guardian and ruler of our finances we must be serious about changing the way we handle our money.  Here are a few tidbits for starters

1.) Write your financial goals- How much do you want to make/save this year? Where do you want to see your credit? Writing your plan gives you direction and you can always revisit for accountability.

2.) Take advantage of pulling your report at least once a year to see how you’re doing. Shoot for the high score to have a higher living! You have one FREE annual credit report that you can view to see what range you are in.

3.) Lastly, pay your bills on time! Easier said than done, I know. Your financial health is depending on this! Most companies will determine what you qualify for from your payment history. Can you be trusted? You need credit history and it should appear responsible and timely! It’s never too late to better manage! May you have harmony and order in your finances by your effort and manifested results!

For financial health questions contact Ashley Williams at thefirstashley@gmail.com

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