Listen to @sabby that's great advice. I used credit karma to monitor but not too much for advice because my broker told me its not really credible but look into it, it's free. Don't pay your full balance u always want to leave a portion because if creditors see you pay your full balance all the time they are not benefiting because you are not paying any interest. Apply for another credit card but do your research there is a lot of cards with rewards now and don't get any with annual fees. Use mostly credit to buy everything than pay always pay 2/3 of the payment you owe to the creditors. I know student loans are a hassle but if they see you've established at least 3 cards you'll see your credit score change for the better

Like I always pay the full balance when my statement comes in each month should I not do that I never been late but I still haven't seen a change in my credit I have literally cleaned almost everything off my credit but student loans bc I am still in school

That's the part I need help with is building I only have one credit card but it don't have a high limit my first one ever but I need to budget and build lol

@nwhite0823, credit is everything, my husband really helped me with that. Credit cards are a great way to build your credit and it shows lenders how reliable you are you just need to make sure you pay all your bills on time and try to keep your debt as low as 25 to 35%. Your credit score should increase by just that alone. There is so much more I can tell you. I just can't break every thing down in a message

@sabby, thanks 😜

Have any budgeting/ credit building tips?