Jamie shares how she manifested an 840 credit score after starting in the low 600s. From not being able to be on the title of her first home to now competing with her husband over who has the higher score, she breaks down the exact strategies that took her credit from very low to excellent in just a couple of years. This episode is packed with practical, actionable steps you can take today to improve your credit score.
Topics:
- Jamie's journey from a 600s credit score to 840 (and being left off her home title due to low credit)
- why autopay is non-negotiable: payment history makes up 35% of your score
- how to increase your credit limit and the 30% utilization rule (high limits, low usage)
- becoming an authorized user on trusted accounts to benefit from their credit history
- the surprising strategy of keeping old cards open (even if you never use them)
- why you should limit new credit applications and space them out intentionally
- monitoring your credit weekly during money dates and celebrating your wins
Resources Mentioned:
- The single best way to get your free credit reports is through AnnualCreditReport.com. This is the only website authorized by the federal government to provide free credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion
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