11 In its broadest sense, empowerment is the expansion of freedom of choice and action. It means increasing oneâs authority and control over the resources and decisions that affect oneâs life. As people exercise real choice, they gain increased control over their lives.
3. Pay on time every month. The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.
Aim to make at least the minimum payment on your credit cards or loans each month. Keep your balances below your available credit. You should try to use as little of your credit as possible--no more than 30 percent. Never max out a credit card, as this will trigger a reduction in your credit score.