Credit Confidence – How to Understand and Master Your Credit Report

Why Credit Matters

Your credit report affects more than loans; it influences your ability to rent, get a job, or even set up utilities. Understanding your credit gives you the power to make informed choices and open new doors.

What is in Your Credit Report

Your report includes your personal information, account history, credit inquiries, and public records. Review it at least once a year through freecreditreport.com and dispute any errors you find.

How to Improve Your Credit Score

- Pay on time, every time.
- Reduce balances on credit cards so that you are using less than 30 percent of your available credit limit.
- Keep old accounts open.
- Avoid unnecessary credit inquiries.

Building Credit Confidence

Credit improvement takes patience, but consistency pays off. Each positive step you take builds a foundation for future opportunities.

Take the Next Step

Need help reviewing or rebuilding your credit? Learn the strategies that work inside our Closing the Gap Financial Literacy Course or set up a free consultation at www.yasharelwealth.com