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@ii_aure_pqt_ii: #foryou #trend #tendancetiktok

𝐏𝐢𝐧𝐤’🌸
𝐏𝐢𝐧𝐤’🌸
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Region: FR
Thursday 16 February 2023 16:47:57 GMT
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Perfect Credit Kid Important Context: Credit scores are based on 3 main things: 1. Payment History (how consistently you pay your bills) 2. Utilization (what percentage of your credit you’re using) 3. Credit History (how long your account has been open) Payment history and utilization are easy to improve... -> Pay your credit card in full every month -> Keep your credit usage under 30% at all times But credit history takes... history. Unless you add your kid as an authorized user 😉 That allows them to “piggyback” off of your score... So they get an immediate boost when it’s time to start building their own credit. THAT SAID... Piggybacking works both ways. If you have a bad credit score... This can actually make their personal credit worse. “760+ credit score, two decades of history, and access to any loan they want” Isn’t a guarantee. Their early credit will be a reflection of yours... So BE RESPONSIBLE. As always, none of this is financial advice. Just sharing info that works for my family 🤝🏼
Perfect Credit Kid Important Context: Credit scores are based on 3 main things: 1. Payment History (how consistently you pay your bills) 2. Utilization (what percentage of your credit you’re using) 3. Credit History (how long your account has been open) Payment history and utilization are easy to improve... -> Pay your credit card in full every month -> Keep your credit usage under 30% at all times But credit history takes... history. Unless you add your kid as an authorized user 😉 That allows them to “piggyback” off of your score... So they get an immediate boost when it’s time to start building their own credit. THAT SAID... Piggybacking works both ways. If you have a bad credit score... This can actually make their personal credit worse. “760+ credit score, two decades of history, and access to any loan they want” Isn’t a guarantee. Their early credit will be a reflection of yours... So BE RESPONSIBLE. As always, none of this is financial advice. Just sharing info that works for my family 🤝🏼
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