Whether you're a first-time credit user or aiming to boost your existing score, this presentation will provide you with practical insights and actionable strategies to unlock better credit and achieve your financial goals. Join us and embark on the journey to financial empowerment!

1. 10 ESSENTIAL
STRATEGIES TO BOOST
YOUR SCORE
UNLOCK BETTER CREDIT:

2. PAY YOUR BILLS ON
TIME
30% OF YOUR SCORE
This is the single most
important factor affecting your
credit score.
Even one late payment can
significantly damage your
score, so prioritize on-time
payments for all your bills, not
just credit cards.
Set up automatic payments or
reminders to avoid missed
deadlines.

3. KEEP YOUR CREDIT UTILIZATION LOW
25% OF YOUR SCORE
Aim to keep your credit card balances below 30% of your credit
limit. (Below 10% is best)
This demonstrates your ability to manage credit responsibly.
Pay down your balances regularly and avoid carrying high balances
over extended periods.

4. CHECK
YOUR
CREDIT
REPORT
FOR
ERRORS
Errors on your credit
report can bring down
your score unfairly.
Obtain your free credit
report from each bureau
(Experian, Equifax, and
TransUnion) annually
and dispute any
inaccuracies you find
www.annualcreditreport.com

5. IF YOU HAVE EXISTING
DEBT, CREATE A PLAN
TO PAY IT DOWN
STRATEGICALLY.
CONSIDER METHODS
LIKE THE DEBT
SNOWBALL OR DEBT
AVALANCHE TO
GRADUALLY
ELIMINATE YOUR
BALANCES AND
IMPROVE YOUR
CREDIT UTILIZATION.
: I
MAKE A DEBT
REPAYMENT
PLAN

6. USE CREDIT
RESPONSIBLY
DON'T APPLY FOR TOO
MANY CREDIT CARDS OR
LOANS AT ONCE, AS THIS
CAN TRIGGER INQUIRIES
THAT HURT YOUR SCORE.
ONLY APPLY FOR CREDIT
WHEN NECESSARY AND
USE IT RESPONSIBLY FOR
EVERYDAY PURCHASES
THAT YOU CAN PAY OFF IN
FULL EACH MONTH.

7. Never spend your
money before you
have earned it.
WORDS OF WISDOM
THOMAS JEFFERSON

8. DIVERSIFY
YOUR
CREDIT MIX
Having a mix of credit accounts,
such as credit cards and
installment loans, can positively
impact your score.
However, manage them all
responsibly and avoid opening
unnecessary accounts.

9. BECOME AN
AUTHORIZED
USER
If you have a family
member or friend with
good credit, ask to be
added as an authorized
user on their credit card.
This can help you build
credit history without
taking on any debt
yourself.

10. BE PATIENT
BUILDING GOOD CREDIT
TAKES TIME AND
CONSISTENT EFFORT.
DON'T EXPECT YOUR
SCORE TO SKYROCKET
OVERNIGHT. STICK TO
THESE TIPS AND MONITOR
YOUR PROGRESS OVER
TIME.

11. CONSIDER CREDIT-BUILDING
SERVICES
SOME COMPANIES OFFER CREDIT-BUILDING
SERVICES THAT CAN HELP YOU ESTABLISH OR
IMPROVE YOUR CREDIT SCORE. HOWEVER,
RESEARCH THESE SERVICES CAREFULLY AND
AVOID ANY SCAMS.

12. IF YOU'RE STRUGGLING
TO IMPROVE YOUR
CREDIT SCORE ON
YOUR OWN, CONSIDER
CONSULTING A CREDIT
COUNSELOR OR
FINANCIAL ADVISOR
FOR PERSONALIZED
GUIDANCE.
Seek
Professional
Help

13. FOR MORE INFORMATION
E-mail
Tisha@CharismaCap.com
NON -PROFIT CREDIT
REPAIR
NO upfront fees!
NO monthly fees!
Pay only AFTER negative
removed!

14. HFLG • 2020

15. Remember, a
Business loan is a
temporary aid to
propels your
business towards
long-term success
WORDS OF WISDOM

16. LOANS OFFERED
Real Estate
Investment Property
Business loans

17. TALK TO US
HOW TO REACH
US
PHONE NUMBER
336-499-3378 Ext 402
EMAIL ADDRESS
Tisha@CharismaCap.com
Facebook Page

18. Our Edge
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APPLICATION
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