Step 10: Build Habits That Stick
Improving your score isn’t about hacks—it’s about habits. Once you’re on the right track, keep rolling.
👉 Golden rules:
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Never miss a payment.
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Keep balances low.
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Check your reports yearly.
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Avoid unnecessary new debt.
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Celebrate small wins (hitting 650, 700, 750).
It’s not overnight, but it’s steady.
Your credit score isn’t some mysterious beast—it’s just math plus habits. And you don’t need to spend money to improve it.
Check your report. Pay on time. Keep balances low. Protect those old accounts. And stay consistent.
In 6 months, you could see a jump. In a year, you might save thousands. And all of that? For free.
Because at the end of the day, keeping your money in your pocket (and out of lenders’ hands) is what American Pockets is all about.
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