A lot of people tend to write off their poor credit as “unfixable” because they believe their past actions have determined their financial future. When it comes to credit, that’s truly not the case! Having credit cards is a HUGE part of your credit score and without them you may never have good credit! Only 15% of your score is determined by how long you’ve had credit.

When it comes to credit, that’s truly not the case! Having credit cards is a HUGE part of your credit score and without them you may never have good credit! Only 15% of your score is determined by how long you’ve had credit.