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.
4. Request a credit line increase. If you use a set amount every month and want that amount to equal 10 or 20% of your credit line, one way to make the math work is to increase the credit line, says Westen. Creditors no longer give automatic credit line increases, he says.