Credit history
How did you first start building your credit history—was it with a credit card, a loan, or something else? Have you ever struggled with maintaining a good score, and what strategies helped you improve it?
I’m curious about how people balance using credit responsibly without letting debt get out of control. Do you regularly check your credit report, and have you ever had to dispute errors? Also, has anyone here worked with credit repair services, and were they helpful or not worth it?
For those who have strong credit, what habits do you think made the biggest difference? Looking forward to your stories, tips, and lessons learned!
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