tina

Your credit score isn’t just a number—it’s your financial cheat code. And no, it’s not as scary as your student loans. 😎” Think of it like a video game score, but instead of killing dragons, you’re slaying bills. The higher your score (300–850), the better rewards you get: lower interest rates, cooler loans, and way less stress. Here’s the breakdown: 35% Payment History = Did you pay Netflix on time? ✅ 30% Credit Usage = Don’t max out your cards! (Pretend it’s pizza—you wouldn’t eat 8 slices in one sitting.) 🍕 15% Credit Age = Older accounts = trust. Don’t close that dusty Target card! 10% Credit Mix = Loans + credit cards = diversity win. 🌟 10% New Credit = Too many apps? Red flag! �” A 2023 FICO study says the average score is 715—but 670+ is ‘good’. And guess what? You can build credit even if you’re starting at ZERO. No cap.” Want to unlock the VIP tier of homebuying? Let’s boost your score together.