Conversations about credit shouldn’t make you cringe, even if you have a poor or below average credit score. When used responsibly, credit is a financial asset that can simplify your life and improve your finances. There are actionable steps for rebuilding and maintaining a good credit score, and those steps begin with little more than a willingness to learn.

No one establishes a strong credit score passively or overnight. These achievers begin by forming intentional habits and learning the business of credit lending. They use their knowledge to seize the many benefits of credit without falling victim to its potential pitfalls.

This article aims to give you a head start on the road to excellent credit so that you can lay hold of those benefits