Building Credit in 2025: A Step-by-Step Guide to Boost Your Score with Monique White

Jan 3, 2025

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Quick question: is your credit score secretly holding you back? If you’ve ever felt stuck, rejected, or overwhelmed by your credit, you’re not alone—and trust me, it’s not your fault. In this episode, we’re pulling back the curtain on all things credit to help you take back control.

Monique White joins me from Self.inc, and together we’re breaking down the biggest credit myths that are messing with your score, plus the actionable steps you need to start improving it today. We’re talking about the truth behind credit utilization (hint: it’s 30% of your score), how to handle collections without fear, and why checking your credit report regularly could save you major headaches.

But it’s not just about the numbers—it’s about understanding the emotional side of credit and how to turn your mindset from overwhelmed to empowered.

Here are some of the key takeaways:

Leaving a balance on your credit card? That could actually hurt your score.
Secured credit cards can be a game-changer if you’re rebuilding.
Always, always check your credit report for errors.
Negotiating with collection agencies isn’t as scary as it sounds.
And, the truth about credit repair vs. credit building.

Improving your credit is a journey, but you don’t have to do it alone. This episode is packed with tips, insights, and real talk to help you take the first step.

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