In this episode, I break down some simple, practical steps to help you improve your credit score — no fluff, no gimmicks. I start with the basics, like why paying your bills on time and keeping your balances low makes such a huge difference. I also talk about credit utilization, how asking for a higher credit limit (without spending more) can actually help, and why paying down debt strategically matters. Whether you use the snowball or avalanche method, it’s all about building momentum and taking consistent steps toward financial freedom.

Then, I dive into some lesser-known but powerful habits — like disputing errors on your credit report, becoming or adding someone as an authorized user, and keeping old cards open to maintain your credit history. I share how I’m setting up my own son for success by adding him to one of my cards early on. These are the real, actionable things that can move the needle for you. Credit improvement takes time and consistency, but it’s 100% doable — and you can start today.

(00:00) - Intro

(00:57) - Pay bills on time

(01:21) - Raise credit limit wisely

(02:14) - Pay down debt strategically

(03:47) - Dispute credit report errors

(04:19) - Authorized user or secured card

(06:16) - Keep old cards open

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

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