The Money Habits Keeping You Poor — And How to Break Them

"Your credit score is being sabotaged by hidden rules. I'll show you how to fix it fast and take back control. This video exposes the hidden system designed to hurt your credit score. You'll learn five critical steps to outsmart the credit bureaus, master the utilization rule, and protect your financial future. This guide is for anyone who wants to stop feeling confused and start boosting their score immediately. 📌 CHAPTERS: 0:00 The Hidden Credit Score Trap 0:49 How The System Is Rigged 2:59 Master The Utilization Rule 5:12 Three Critical Score Protections 6:59 Proof: A 150-Point Increase 8:04 Your Complete Action Plan 💡 KEY TAKEAWAYS: • Pay your balance before the statement date to keep reported utilization under 10%. • Keep old, unused credit cards open to maintain a longer average credit age. • Limit new credit applications and freeze your credit reports to prevent unnecessary inquiries. • Annually audit your three credit reports and dispute every single inaccuracy you find. 👉 Subscribe for more: Ray Invests 💬 Comment below: What's the most frustrating thing you've experienced with your credit score? #CreditScore #FixCredit #CreditRepair #ImproveCreditScore #PersonalFinance"