Avoid This Credit Myth

🚫💳 Don’t fall for one of the biggest credit myths out there! Many people believe you have to carry a balance on your credit cards to build good credit — but that’s simply not true. 🙅‍♂️

✅ Here’s the truth: You can charge items on your credit card and pay off the full statement balance each month — and still build a strong credit score! 💪 Paying in full doesn’t hurt your credit; in fact, it helps you avoid unnecessary interest charges and keeps your credit utilization low. 📈

By understanding how credit really works, you’ll protect your score, save money, and take control of your financial future. 💰

Whether you’re preparing for a home loan, rebuilding your credit history, or just want to use credit cards the smart way, this quick tip can make a big difference!

👴💬 Brought to you by Jeff Markell – Grandpa Mortgage, your trusted mortgage educator at Empire Home Loans. Helping you separate fact from fiction in the mortgage and finance world — one myth at a time!

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