Let's Talk Credit!

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Hey there! 
Brielle Camiolo here aka Busy Bre. 



Today I want to talk about credit! Credit is so important and something that definitely stays with you. Bad credit can ruin your chances of getting access to loans regarding cars, homes etc. Even getting access to a cell phone plan. People with bad credit are asked to put more money up front versus people who have good or great credit. Loan officers look into your credit to see how much of a risk it would be to loan to you. Credit will give you credibility since it relies on: utilization amount, on time payments, how long the card has been open, and credit limit.  

Multiple cards can be a good and bad idea. If you manage your cards correctly, that can help boost you score. If you manage them poorly, that can deteriorate your score. 

How to build your credit whether you have none, poor or good credit. 

  • keep your utilization under 30% (only spend $30 for every $100 you're approved for)
  • pay off balance before next billing cycle
  • put payments on autopay to they'll come out automatically (only good of your bank account is in good standing and make sure to update your debit card info if you happen to lose it)
  • make payments on time or early
  • DO NOT MAX OUT CARDS
  • dispute any inaccuracies (if your credit went to a collection agency you maybe able to dispute it since they are not the originators of the account)
  • keep your eye on your credit, know your score


If you have no credit, apply for a credit card. Be mindful of the tips above and do not let multiple places run your credit. 

Check out this link:
Best First Credit Card for First-Timers | GOBankingRates

FREE credit report every 12 months per FTC:
Get My Free Credit Report | Federal Trade Commission (ftc.gov)

I hope this was helpful!
Pleas let me know in the comments below!

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