Struggling with a low credit score and don’t know where to start? In this episode of The Get Out of Debt Guy Podcast, Damon Day pulls back the curtain on the credit score improvement tips that actually work—no fluff, no gimmicks, and no shady “credit repair” schemes.

Whether you’re dealing with collections, maxed-out cards, or just trying to rebuild after a financial hit, this episode breaks down exactly how credit scores are calculated—and how to start improving yours today. You’ll hear real stories, like Carlos, who turned a 545 score into a 710 without falling for credit repair traps.

🎯 Inside This Episode:

• Why paying off collections might not raise your score

• How to master your credit utilization for fast results

• The truth about auto-pay, old credit cards, and hard inquiries

• The simple steps you can take TODAY to start improving your score

• A breakdown of the real credit score formula (and how to work it in your favor)

💡 Plus: Damon shares the emotional side of rebuilding credit—and why your score doesn’t define you.

If you’re tired of the confusion and ready for real answers, this episode is your roadmap to credit clarity.

📍 Need personalized help or want to build a custom strategy?
Visit DamonDay.com — Damon offers hands-on support to help good people through bad debt situations.

🧭 For more free resources, credit guides, and tools to take back control of your money, check out GetOutOfDebt.org.

📢 Don’t forget to subscribe, leave a review, and share this episode with someone who needs it.