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.
â HQB. When you use a credit card you decide how much to charge and how much to repay each month. Because you make those decisions, a credit card gives some additional insight into how you make independent credit management decisions and sound credit card management is often the best way to improve your scores.