@creditremedy: Most of us weren't taught this in school, so we're learning as adults. You don't need debt to prove responsibility. Try this next: Try the twice-a-month payment habit if utilization spikes. That's why more Columbus employers add workshops and 1:1 coaching as a benefit, no sales pitch, just support. Thinking about your strategy for buying or building credit, how do you track progress today?, drop it in the comments below #CreditRemedy #CreditRepair #ColumbusOH #FinancialWellness #CreditTips #BuildCredit #WorkplaceWellness #EmployeeBenefits