Phase 1: Credit 101

Ah, credit—the financial backbone of adulthood, the mystical number that determines whether you’re eligible for a mortgage or just another episode of late-night infomercials. In this rollercoaster ride through the credit universe, we’ll explore the basics...

Phase 3: The Nuances of Credit

Credit Utilization: Credit utilization is the ratio of your credit card balances to your credit limits. Keeping this ratio low, ideally below 30%, is crucial for maintaining a healthy credit score. If you have a credit limit of $10,000, try to keep your outstanding...