Maintaining a good credit score can be a game-changer in the US, and for us as Africans, it is like having a golden ticket. With a little effort and savvy, you can excel in the credit score game and achieve your financial goals.
Here's something many Africans might not know: a good credit score can open doors to better interest rates, more credit options, and financial freedom. It's the key to obtaining loans, credit cards, and rental apartments.
However, there are a few common mistakes to avoid if you want to keep your credit score shiny and bright. Here are three I'd like to share:
Firstly, don't let those payments slip!
Late payments are a major no-no and can significantly impact your credit score. Just one missed payment can have a massive 35% impact on your score, as it is based on payment history. Therefore, make sure to make payments on time. If you find yourself in a jam, talk to your creditors about alternative payment options.
Secondly, don't exceed the limits on your credit cards!
Using up your entire credit limit can harm your credit score, even though it may be tempting. Your credit utilization, or the amount of credit you're using compared to your limit, accounts for 30% of your credit score. To maintain a good score, keep your credit utilization below 30%. You can achieve this by paying down balances or requesting a credit limit increase.
Lastly, don't close those credit card accounts just yet!
While closing an account might seem like a good idea to avoid debt, it can actually hurt your credit score. Credit history length and credit mix make up 15% and 10% of your credit score, respectively. When you close a credit card account, you decrease your credit history length and reduce your credit mix, which can harm your score. So, keep those credit card accounts open and use them wisely to establish a positive credit history.
In a nutshell, it's important to avoid late payments, keep your credit utilization below 30%, and maintain open credit card accounts to have a good credit score in the US. Don't forget to regularly check your credit score and reports for errors or fraud, and use credit wisely to avoid debt and improve your financial health. Let's excel in this credit score game together!
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I have been suffering from a deadly disease (HSV2) for the past 2 years now, I have spent a lot of money going from one place to another, from churches to churches, hospitals have been my home every day residence. Constant checks up have been my hobby not until this faithful day, i was searching through the internet, i saw a testimony on how Dr AGBON helped someone in curing his (HSV2) herpes disease, quickly I copied his email which is dragboherbalhome@gmail.com just to give him a test I spoke to him, he asked me to do some certain things which i did, he told me that he is going to provide the herbal cure to me, which he did, then he asked me to go for medical checkup after some days after using the herbal cure, behold i was free from the deadly disease, he only asked me to post the testimony through the whole world, faithfully am doing it now, please brothers and sisters, he is great, I owe him in return. if you are having a similar problem just Contact him now WhatsApp Number +2349058797761, Gmail: dragboherbalhome@gmail.com, Website: https://dragbonherbalhome.wixsite.com/my-site-3
I had given up on ever getting cured of HSV2 because i have try many treatment none of them worked out for me, i have gone to different hospitals and they always tell me the same thing there is no cure for herpes. when i came across a post about Dr Osazu in the internet from a lady called Angela i contacted her and she reassured me with his herbal medicine which i took according to the way he instructed, that how i was cured. I doubted at first because i have been to a whole lot of reputable doctors, tried a lot of medicines but none was able to cure me. so i decided to listen to him and he commenced treatment, and under two weeks i was totally free from Herpes. i want to say a very big thank you to Dr Osazu for what he has done in my life. feel free to leave him a message on email osazu_spell@outlook.com
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Got rid of herpes 1&2 completely, I started the treatment August 2022 for 14 days till now 2025 I have not had a single outbreak, All thanks to Dr. chalopa. It’s fascinating how they say it can’t be cured but here I am how Ironic. “For others like me out there”, there is a chance. He also treat other illnesses like HPV, HIV, PENIS ENLARGEMENT, DIABETES, and More. Email drchalopa@gmail. com
Am here to let the whole world know that I was diagnose of herpes 3 years ago where all hope was lost and I had nothing to do about it,I just accepted the faith that one day I will cure of this disease and I just pray everyday for a helper and one day my sister introduce me to a herbal doctor man called Dr ahonsie that she saw him on internet well I contact him on his email,I was not fully convinced until he sent me the herbal medicine which he ask me to take for two weeks I took it with faith and i went for a retest in different hospitals and today am cured of this disease and am also using this medium to let all those having STD,like herpes and the rest not to give up,their is a man who can cure you,his name is Dr ahonsie . contact the great herbalist via his Email: drahonsie00@gmail.com / WhatsApp: +2348039482367. https://drahonsie002.wixsite.com/dr-ahonsie
Hello everyone, i have a very important information about herpes virus, i was a victim of hsv1&2 until i met doctor Ahonsie, it still feels like a dream to me. it has been two years now, i have not experience any breakout of herpes. I new about him through a post made on social media, a lady shares her experience and then i decided to contact him and ever since i contacted i was encourage and with no doubt i was cured from herpes simplex in just two weeks. He also treat other illnesses like HPV, HIV, CANCER, THYRIOD, PENIS ENLARGEMENT, and more contact him via Email: drahonsie00@gmail.com / WhatsApp: +2348039482367. https://drahonsie002.wixsite.com/dr-ahonsie https://www.facebook.com/drstellaherbalhome?mibextid=ZbWKwLThanks
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