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.
If you make your monthly payments on time, the card issuer may be willing to increase your credit line without you having to make an additional security deposit. Many secured credit cards will automatically increase your credit limit if you make your payments on time without fail for six to 12 months. In the meantime, you're working on building a more positive credit history.