Building great credit is part of a healthy financial life. The higher your credit scores, the more you can save on various products and services, including credit cards, lines of credit,

car loans and mortgages. But you may not realize that your credit affects many aspects of your

finances. For instance, having poor credit may cause you to pay more

for auto, homeowners, and renters insurance in most states. Low credit scores could also

cause you to be turned down by a prospective landlord or employer

and increase the security deposits you must pay on utilities like power, cable, and mobile devices.

Using a credit card responsibly is one of the best ways to build a positive credit history and boost your credit scores.

They typically report your card activity to one or more of the National Credit Bureaus, and they include

Equifax, Experian, and TransUnion, which then enter that data on your credit reports.

This podcast will review six ways to use credit cards to gain benefits and build excellent

credit.

Hey friends, welcome back.

I'm Laura Adams, an award-winning author, money speaker, founder of the Moneystack

newsletter, and host of the Money Girl Podcast with 43 million downloads. I also work as an on-camera

financial spokesperson and partner with select brands for PR and

content marketing. As always you can learn more about me and send me an email using

my contact page at Laura d Adams.com and if you have a comment or a money question I would love to hear it

you can email it to me or leave it on our voicemail line which is

302 36403408 which is 302, 364, 0, 3308.

I'd love to answer your question on a future show.

Whether a credit card helps or hurts your credit depends on how you use it. I'm going to go through six

ways that you can use cards to boost your credit and the benefits that come with maintaining

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