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.
1 Credit cards will force you to pay a small amount every month or risk a penalty.  Register to pay the balance on the credit card. The balance on the credit card, or how much you owe, will usually vary from month to month. Make sure that you avoid an overdraft when doing this.