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A10: This holiday season I'm looking to be grateful for all I have. Be present with all my loved ones and enJOY the moments we get to share together. I wish all of your families a safe and joyful holiday #CreditChat

A9: Take a play out of my playbook and start Early!!!! Open a high-yield savings name it the “holiday fund”and auto transfer money every payday to the account. By next Dec, there will be funds for stress free gifting. #CreditChat

A8: We can support others in our community by donating our time/food to shelters, and we can give in toy drives. Small acts lift everyone, and it's important to remember the reason for the season. #CreditChat

A7 Yes, so my family is very competitive! When we get together for the holidays, all the games come out lol. We play Uno,LRC, dominoes, bingo, and dont let the spades come out Lawd🤣. There are tons of laughs and its zero cost. This is what builds the bonds that last. #CreditChat

A6: Now I know this is not the holidays, but this year my 9 yr old nephew made me a Father's Day card at school. It cost him nothing to make, but it meant everything to me. I am going to keep it forever because words mean more to me than things. #CreditChat

A5: I like to think about who I am buying for and what they like. I go to 5 Below and get lil makeup and soaps to make baskets. Ive melted down the giant candles to make small ones, give baked goods. As long as it's given from the heart. Thought > price tag #CreditChat

A4: I list everyone out, assign spend caps, and I start early! The most helpful thing for me has been adding it to my budget and saving a little every paycheck. This way, I have money set aside. Make sure to review and adjust early to avoid surprises. #CreditChat

A3: I know that we want to give so that our loved ones feel how important they are. However, its important to remember your peace is worth more than pressure. Focus on what you can give, it does not make sense to go broke, stressed and not be able to enjoy the moment. #CreditChat

A2: With large families, we need to be strategic. My dad is one of 21 kids and my fiancé's family is also large. So we set a per person cap, do Secret Santas, or gift experiences such as games to play together, and homemade treats. It keeps JOY high, and costs low. #CreditChat

A1: To me, giving means presence over presents. It means spending quality time, giving love, and sharing moments. When I was young, it used to be about the stuff I got, but now it’s about impact and connection. #CreditChat

We are grateful to be joined by @creditscoop, @MoneySavvyLife, @WellKeptWallet, @JReLLz35, @LeslieHTayneEsq, and @Perspectives83! #CreditChat

I feel like this is one of the things that’s. It talked about enough. Life has to many ups and downs not to have community!

A10: The more informed you are the more you know what to look out for. Credit education can mean lower rates, better loans, and financial freedom. It’s the power to leverage and plan your future with confidence. #CreditChat

A9: The steps you should take are as follows: Dispute errors online or by mail at @Equifax, @Experian_US , or @TransUnion . Send proof that supports your claim, track and follow up in 30 days (typical investigation time). Fixing errors can boost your score. #CreditChat

A8: Some strategies that you can implement are to list out all debt and interest rates, create a budget to see how much you can allocate to paying down debt, Pay on time, and utilize 0% interest balance transfers. Dispute report errors and stay patient! #CreditChat

A7: You should check your credit report regularly, especially if you are looking to get a loan. You can see your report free from @Equifax , @Experian_US , @TransUnion. Monitor to be able to catch errors early to protect your score. #CreditChat

A6: There are a lot of myths out there, one is that closing old cards helps your score because you won't use them. The truth is, it can hurt by shortening the age of accounts and increase utilization because you have less available credit. Keep them open, use lightly. #CreditChat

A5: The top factors of your credit score are payment history (35%), credit use (30%), and account age (15%). So make sure to pay your bill on time, keep balances low or paid off, and don’t close old cards. #CreditChat

A4: This is something people get confused. Your Credit Report is a culmination of all your payment history, the amount and type of debts, and accounts you have. Your Credit Score is a number (300-850) summing it up. The report’s the story and the score’s the summary. #CreditChat

A3: Paying bills on time is key! One late payment can tank your score. You should automate payments to stay on track and build lender trust. If you do find yourself in a hardship, let your issuer know. You may be able to get relief, and its better than not paying #CreditChat