11 In its broadest sense, empowerment is the expansion of freedom of choice and action. It means increasing oneâs authority and control over the resources and decisions that affect oneâs life. As people exercise real choice, they gain increased control over their lives.
3. Pay on time every month. The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.
To help improve your credit score, keep your debt under control: 1  Pay your balance in full each month to minimize interest charges. 2  If you can't pay in full, pay as much as you can. 3  If money is tight, try paying the amount of new charges plus the interest charge. 4  This will at least keep your balance from growing.