How to Build An Excellent Credit Score Now with These Simple Tips

How To Build an Excellent Credit Score

How To Build an Excellent Credit Score

I received an email from an Aspiring Entrepreneur who works Monday- Friday + is a single mom. I thought I would share our decision and the tips I have under this topic. We discussed her credit… She asked me my history on the topic and I explained to her that I’ve taught financial literacy to adults and youth. I also explained to her how I went from no credit at the age of 19 to 700+ credit score at the age of 21 with never having a car note or student loans. As we discussed further my knowledge of building credit. She went on to ask why I don’t provide credit repair services as a “side hustle”.

She stated that she read my blog posts and seen me post about this topic on social media. I simply explained to her that I don’t want to be “the Jane of all trades and the master of nothing”. I also explained to her that I don’t provide “magic”. Social media really have people thinking that what’s on their credit report will just disappear 😳  that same day. Yes, if it’s something that should be removed after seven years or disputed. It should/will get removed and your credit score will improve.Typically it could take up to 6 months to honestly see results on your credit score and/or report.

Anywho, Building your credit is not rocket science… These are my proven free tips (that I can think of off hand)

My Tips✒️

  • Check your credit report every four months ( provides free credit reports annually from the three credit bureaus- you are checking your credit report every four months to ensure that your identity wasn’t stolen, and make sure that it reflects accurate information.)
  • When reviewing your credit report, delinquent accounts past 7 years should be removed (for most items).
  • You can check your credit score for free with the CreditSeame app. (I can’t remember which bureau they use- I think it’s Transunion).
  • Dispute what shouldn’t be on your credit reports (you could be a victim of identity theft).
  • Stop opening lines of credit (I know it’s tempting to receive x amount off your purchase that day- if you want that extra 5% off target, use the debit option.
  • Keep your monthly bill under half the max (example: credit card limit 1k monthly bill should be under $450.
  • Close any accounts with annual fees (unless the pros out way the cons).
  • Pay your bills on time every month.
  • Pay the credit card bill with the highest Percentage rate off first.
  • Learn your wants, from your needs.
  • Try to avoid having balances on all the credit cards you have.

I know “Cash is King” it’s nice to have options, though…

Build Excellent Credit Score Simple Tips Additional Tips 

  • Also, know that if you’re an authorized user on someone’s card. That’s not building your credit. It’s building their credit and if there smart they have a rewards cards and is receiving rewards from your purchases when using the card.
  • If you’re having a hard time getting approved from a credit card company. Apply for a secured credit card. Make purchases and pay the card off ASAP. Also, make sure that you review the terms and try to apply for a card without an annual fee.
  • If you have a rewards credit card, you can still pay the balance off prior to the billing statement ending and still received the points/rewards.
  • If you have additional questions, just email me. No, I’m not charging and you don’t have to complete anything. Ask the question and I will reply. I just want to see you succeed in 2017.


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Tasheena showed up to my workshop and breezed through like a breath of fresh air! Wow she put the cherry on top of an already awesome morning.

She kept our attention every minute she was there and left us with knowledge and motivation. We were in GO mode when she left. Exciting, informative, awesome!
I would have her back again and again. Peace and Blessings.

— Dianne Gill
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