Stop Obsessing Over Your Credit Score
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Everyone stresses about their credit score like it’s this magical number that has to be perfect before you can buy a house. But is it?
It’s not about having an 800. It’s about being in the right 𝘁𝗶𝗲𝗿 so the bank doesn’t overcharge you. And here’s the part nobody tells you: tiny moves can make a huge difference.
💳 Keep your cards under 30% of the limit (if you’ve got a $1,000 limit, don’t carry more than $300).
💳Ask for a credit limit increase, then don’t touch it. That alone can lower your utilization overnight.
❌Don’t close old accounts — even the dusty card you never use is quietly helping your score.
👩🏻🤝👨🏼And if you can, get added as an authorized user on someone else’s solid card. Their history helps you.
None of this is about perfection. It’s about positioning yourself to bump into the next approval bracket and save money every single month.
