✨ Get started. Progress only happens when you begin.
✨ Focus on what you’re doing today.
✨ Be honest with yourself: What are you actively doing to build your credit right now?
✨ Pause the applications. Applying for new credit with low scores only hurts you more.
✨ Educate yourself on the basics.
✨ Stop adding more debt. You can’t fix a leak while the water is still running.
✨ Learn it, apply it, then teach your kids. This is how generational cycles are broken.
✨ Build money management skills. Credit and discipline go hand in hand.
✨ Remember: It didn’t get bad overnight, so it won’t be fixed overnight either.
✨ Do NOT co-sign for anyone. Protect your progress at all costs.
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And most importantly—don’t rush the process or the person guiding you through it.
Consistency beats speed. Every time. 💪✨