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My Credit Score: How I Went From 665 to 807

When I finally checked my credit score, I was shocked to see how low it was. I guess fear prevented me from checking sooner, but I knew it was low. Some people might argue that a score in the 600s is "average," but being "average" is not okay to me.

​At the beginning of my journey

Where I am now

The average person is broke and living paycheck to paycheck.

The average person holds $7,486 of consumer debt.

The average person robs Peter to pay Paul.

The average person is lazy.

The average person refuses to use their God-given ability to create wealth.

Now this is no shade to you if you are in any of these positions, but you must realize that "average" is beneath you and the Kingdom standard.

Yes, things happened.

No, you may not have learned about money.

But how long will you remain ignorant?

How long will you allow money systems to mock you?

How long will you live beneath your birthright?

Long story short, God wants us to be responsible with our finances, especially in the times and seasons we are in.

Check out a few steps that I took to increase my credit from a 665 to a 807.

Step 1: Understanding Your Credit Score

The first step in improving your credit score is understanding what it is and how it's calculated. Your credit score is a numerical representation of your creditworthiness, based on information in your credit report. Factors such as payment history, credit utilization, length of credit history, and types of credit accounts are considered when determining your score.

Step 2: Review Your Credit Report

The next step is to review your credit report to see what information is affecting your score. You can obtain a free credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once a year. Look for any errors or incorrect information and dispute any inaccuracies with the credit bureau.

Step 3: Reduce Credit Utilization

One of the biggest factors affecting your credit score is your credit utilization, or the amount of credit you're using compared to your credit limit. Aim to keep your credit utilization below 30%. If you have high balances on your credit cards, consider paying them down or transferring the balance to a card with a lower interest rate.

Step 4: Make Payments on Time

Payment history is one of the most important factors affecting your credit score. Late or missed payments can significantly impact your score, so it's crucial to make all payments on time. You can set up automatic payments or reminders to help ensure that you never miss a payment.

Step 5: Maintain a Mix of Credit Types

Having a mix of different types of credit, such as a mortgage, a car loan, and a credit card, can have a positive impact on your score. This shows that you're capable of managing different types of debt responsibly.

Final Thoughts

Improving your credit score takes time and effort, but it's worth it in the long run. With better credit, you can qualify for lower interest rates, which can save you money on loans and credit card interest. Use these tips and strategies to help you achieve a better financial future. Good luck!"


Are you ready to take control of your finances and achieve your financial goals?

My two ebooks on finance are the ultimate resource for anyone looking to improve their financial situation.

The first ebook covers the basics of personal finance, including creating a budget, reducing debt, and increasing your savings. With clear and concise information, this guide is the perfect starting point for anyone looking to get their finances in order.

The second ebook focuses on investing and will help you understand different types of investments, build a diversified portfolio, and make smart investment decisions for long-term financial success.

Don't wait another day to start improving your financial situation. My comprehensive ebook bundle is the perfect tool to help you achieve financial freedom and reach your goals. Order now and take the first step towards a brighter financial future this February.


Be sure to join me on YouTube Thursday at 5pm, PST

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