Tonya Bill

Your credit score is like your financial passport, it opens doors to better loans, cards, and opportunities. One simple habit that makes a BIG impact: Always keep your credit utilization below 30%. Example: If your limit is $1,000, try not to carry more than $300 as a balance. Bonus: Under 10% is even better for maximum score growth. #saidbyagreatman

Mía Smith

Mar '25 •

❓Questions / Help

Credit 512

My credit 512 and trying to get it back up. Any pointers?

New comment 25d ago

Tonya Bill

3 likes • Sep '25

512 ain’t bad you know, just means you’ve got some room to grow. Best move is just paying everything on time, keeping your card balances super low, and not opening too many new accounts all at once. Even asking for a credit limit bump helps. Slow and steady, you’ll see it climb.

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Tonya Bill

@tonya-bill-7173

Wisdom, wit, and a few decades of hustle.

Active 88d ago

Joined Sep 1, 2025

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