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Credit Building Empire



Credit is the ability to borrow money or access goods or services with the understanding that you’ll pay later.

To build a perfect score you need:

  1. Pay all of your bills on time.
  2. Make frequent payments to keep balances low.
  3. Ask for higher credit limits to increase your debt to income ratio.
  4. Dispute credit report errors by mail.
  5. Become an authorized user on a trusted family member or friends account.
  6. Use a secured credit card to leverage credit for any credit profile.
  7. Keep credit cards open because credit history is a factor in your score.
  8. Mix it up with multiple types of accounts.