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Chapter 6: Maintaining Excellent Credit For Life

Congratulations, you’ve made it to the end of the guide. I’ll give you some final words of advice about how to maintain excellent credit scores for life.

First, suppose you are still working on building credit. How long it’s going to take depends on many factors, such as whether you declare bankruptcy, how good your credit was before you had a financial problem, and if you have any delinquencies going forward. 

As you learned in this guide, your future credit behavior, such as making payments on time and keeping a low utilization ratio, begins to overshadow negative information over time. 

So, if you show responsible behavior, you should see your credit begin to move up in as little as 30 days and certainly within a 6–12-month period.

Financially healthy people have a success mindset that prevents them from getting discouraged. 

So, we all get financial hits to the gut from time to time. Your job is to keep your chin up, be prepared for hard times, and make sure that if you make any financial mistakes, you correct them, learn from them, and make sure they don’t happen again. 

Failure can teach us a lot if we let it. The great philosopher Aristotle said that “We are what we repeatedly do. Excellence therefore is not an act but a habit.” In other words, it’s the small things that you do every day that are so important because they add up to transform your life. 

And in many cases, it’s habits that make the difference between having a financially healthy life or a poor one where you never seem to get ahead. 

So, take the information that you’ve learned in this guide and put it into action. You’ll see your entire financial life improve.

Again, I want to thank you for reading through the guide. May you experience financial success and happiness.

Andia Rispah

Andia is a recognized finance professional and founder of Content Takeoff. She’s committed to Organic SEO Strategies & Creating Content that drives phenomenal boosts in revenue, sales, and Google rankings. She works closely with Financial Advisors/Planners, Accountants & Personal Finance Bloggers. Read More

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