How Long Does It Take to Improve your credit score Here’s the answer." - It can take a few months to see noticeable improvements. - Depends where your credit is at and what you have on your report - Consistency is key: pay bills on time, keep balances low, and avoid new debt We are all on different levels here but that’s ok , don’t compare your credit to somebody’s else’s credit. Don’t get me wrong I’m like damn I want that credit score. Make ya moves , use them plays and patience is key Example I got super excited my credit score went up. I figured I can get some more credit , I didn’t thoroughly re examine my credit report and 2 of the CRA’s took of my derogatory marks but one didn’t I applied few places.l got denied and now got 5 credit checks on my report now it most likely goin be lil harder to get credit cards, but doable I just gotta build RBI Don’t be like me inpatient, Wish yall the best in yalls endeavors Let’s get this Bag 💪💪💰💰💰💰💰

How to Ask for a Credit Limit Increase** Want to boost your credit score? 1️⃣ **Log in to Your Account**: Look for the "Request Credit Limit Increase" option. 2️⃣ **Update Your Info**: Be ready to share your income and employment details. 3️⃣ **Make the Call**: Id prefer calling but ya can do it threw apps depends on the institution but you do you buuuu 4️⃣ **Ask About Credit Checks**: Some banks use a soft inquiry (no impact on your score), others use a hard inquiry. A higher limit can lower your credit utilization, which helps improve your score I almost for got depending how long you had the card , if ya been late in some payments It’s not goin be good time to ask , make sure you been keeping it up 3 to 6 months Also depends on the bank .

Understanding your credit options can help you build a stronger financial future. Here are a few options to consider: --- ### **1️⃣ Credit Cards** - Use them for small purchases 🛍️ and pay off the balance each month to avoid interest. - Keep your usage low (below 30% of your limit) for a better credit score 📉. --- ### **2️⃣ Personal Loans** - Great for big expenses or combining debts 💰. - Fixed payments make it easy to plan your budget 📅. --- ### **3️⃣ Secured Credit Cards** - A good option to start or rebuild credit 🛠️. - You’ll need a deposit upfront, which becomes your spending limit 💵. --- ### **4️⃣ Credit Builder Loans** - These are made to help you improve your credit score 🏗️. - Payments go into a savings account, and you get the money back when it’s paid off 💼. --- ### **5️⃣ Auto Loans & Mortgages** - Loans to help you buy a car 🚗 or home 🏡. - A higher credit score means better interest rates and lower costs 💸. --- ### **Tips to Remember** ✅ Make payments on time—it’s the #1 way to boost your credit. ✅ Check your credit report to stay informed 📋. ✅ Compare options to find the best deal 🛒. --- **Take control today!** slay the day fam

A lot of people worry that checking their credit will lower their score, but that’s not the case. Let me break it down for you. ### **Two Types of Credit Inquiries** 1. **Soft Inquiries:** - This happens when you or someone else checks your credit for information, not for lending. - Examples include checking your own credit score 📊, pre-approval offers 📩, or job background checks 🧑‍💼. - **Impact:** Soft inquiries **don’t affect your score** at all. 👍 2. **Hard Inquiries:** - This happens when a lender checks your credit to decide if you qualify for a loan or credit card. - Examples include applying for a mortgage 🏡, car loan 🚗, or new credit card 💳. - **Impact:** Hard inquiries **can lower your score a little**, but it’s usually just a small, temporary drop ⬇️. ### **How Hard Inquiries Affect Your Score** - One hard inquiry won’t hurt your score much, but if you have several in a short period, it can lower it more. - If you’re shopping around for a mortgage or car loan, don’t worry—multiple inquiries within 14-45 days count as one 🛒. ### **Why You Should Check Your Credit** - **Catch Errors:** You’ll be able to spot mistakes or fraud early 👀. - **Track Your Progress:** By checking your score regularly, you can see how your good financial habits are paying off 💪. - **Be Prepared:** Know your score before making big purchases, like a house or a car 🏠🚘. ### **How to Check Your Credit for Free** - You can get a free credit report from all three major bureaus at **AnnualCreditReport.com** 🆓. - Many banks and credit card companies also offer free credit score monitoring 💳📱. ### **Conclusion** Checking your credit doesn’t hurt your score as long as it’s a soft inquiry. Stay on top of it, and take control of your financial health! 💯

“It is impossible for a man to learn what he thinks he already knows.” – Epictetus We often say, "I already know that." It feels good to believe we’ve mastered something. But here’s the catch: The moment you think you know everything, you stop learning. Why? - You stop listening. - You stop questioning. - Worst of all, you stop growing. Wisdom isn’t about knowing everything—it’s about constantly seeking understanding. As Einstein said, *“The more I learn, the more I realize how much I don’t know.”* True wisdom starts with humility. Recognize that the world is full of perspectives and knowledge you’ve yet to explore. But when we cling to our beliefs as absolute truth, we close ourselves off, becoming stagnant and ignorant. So, let go of the need to always "know." Put your ego aside and say, "I don’t know." In words of Santiago be the dumbest person In room!!! Let’s get it fam !!!!