Lessonfifteen

Credit mastery isn’t about chasing a perfect score—it’s about using credit as a tool to support your goals while staying in control.

That means continuing the habits you’ve built: paying on time, keeping utilization low, planning big moves in advance, and checking your reports regularly. It also means setting boundaries for yourself about debt and spending.

When your credit is strong, you’ll have more options—better rates, easier approvals, and the ability to say “no” to predatory offers. Paired with a solid budget and savings plan, this becomes the foundation of long-term financial freedom.