Build Score Daily
@BuildScoreDaily
Because credit doesn’t have to be confusing. Sharing honest answers and smart tools for better scores.
Building credit in 2025 isn’t complicated: use your card regularly, pay it off in full, and don’t max it out. You don’t need to carry debt—just show you can manage it.
Building credit in 2025 is still about the basics: pay on time, keep balances low, and avoid opening too many new accounts at once. You don’t need to carry debt—responsible use and consistency go further than you think.
FICO isn’t the issue. Rushing a two-score mortgage system without full validation is. Trillions are at stake—changing the rules without proof isn’t reform, it’s risk. nationalmortgagenews.com/opinion/fico-i…
Why mislead? This has been the case for years. I'm a supporter, but alternative scoring has already been in place previously.
FICO isn’t the problem—it’s the only model that’s been rigorously tested for mortgage underwriting. Rushing a second score into the system without that same level of validation introduces unnecessary…
You don’t need $125 or a new scoring model to understand credit—FICO 10T exists, it’s $4.95, and it’s more predictive than ever.
Limit new credit applications. Too many hard inquiries can drop your score.
Pay on time—every time. Payment history is the #1 factor in your credit score.
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