Have you ever experienced the frustration of being declined for a loan or finding out that the interest rates on a mortgage are too high? It can be disheartening to discover that your credit score is lower than expected. Suddenly, you find yourself diving into the process of reviewing your payment history and checking for any discrepancies. And if you do find something amiss, you have to navigate the maze of figuring out who to contact for assistance. It can feel like you're going in circles, unsure of the right steps to take. Even when you manage to find the right person to file a dispute with, there's no guarantee that your concerns will be addressed. You may question if you said the right things or if you should follow up at a specific time. It's easy to feel overwhelmed and confused in these situations.

On top of multiple rounds of letters, one of the easiest ways to help your credit is to use your credit cards the proper way. ​ Here are 6 tips you should keep in mind when using your credit cards: - Keep costs in mind: Interest isn’t the only expense to be aware of as you shop around for the right card. Look out for annual fees, late payment fees, and balance transfer fees when you review your options. ​ - Focus on your score: Do what you can to build up your credit score so you can be eligible for advantageous rewards cards. ​ - - Reduce credit utilization: 30% of your credit score is based on how much of your available credit you use. You want to keep that number at 10 % or lower than your maximum borrowing limit to get the best results. ​ - - Keep your accounts open: Closing out a credit card can hurt your credit utilization and your credit history, ultimately damaging your score. If there’s no fee and the card has a high credit limit, it’s wise to keep the account open. ​ - - Pay on time: No matter what, always strive to pay at least the minimum every month. If that means spending less, so be it. The potential fees and damage to your credit score aren’t worth it. ​ - - Track your scores and accounts:Always log in to check your account activity and make sure that any purchases showing up are ones you made. Likewise, check your credit score. If it drops unexpectedly, it could be an indicator of identity theft or a miscalculation on the credit reporting agencies' part. ​

I would like to thank everybody they came out yesterday was able to support me in the credit master class🙏

Let’s welcome & "démosle la bienvenida." 💯

If so, what strategies have you used?