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.
The two things that will most help your credit score are time and positive credit card payments. Once you get a new credit card â whether itâs secured or unsecured â make your payments on time every month. Even better, pay your balance in full to keep yourself from getting back in debt trouble.