How to build your credit score to upward of 650, 700, or even higher than 800 with these simple financial habits.

Do you know why applying for a credit card can hurt your score? Or how carrying a balance affects your credit in more ways than one? According to a recent survey from Capital One, these are some of the top “credit myths” that cause people to lower their credit score without even realizing it or understanding why.

It’s not their fault, though. The truth is many institutions make managing your credit more complicated than it needs to be. In fact, the difference between people with high credit scores and those with lower scores has less to do with their knowledge or how much money they make and more to do with a particular set of habits they practice on a regular basis. These are habits that don’t just raise and maintain strong credit scores, but also lead to powerful financial security and peace of mind.

This book covers these basic “habits of credit mastery” that the credit elite use to create financial independence for themselves. It breaks down the core components of what makes up your credit score and shows you how to develop a credit-building routine, one step at a time.

Here are just a few of the “insider secrets” you’ll discover inside this book:

• Seven of the basic financial habits that people with “exceptional” credit use to achieve and maintain scores of 800+. (This surprisingly has very little to do with how much you make and revolves around what you do with your money).
• How having more than one credit card can help you build your credit—and how to know when to stop applying for new accounts.

These habits are simple enough that anyone can use them to improve their credit score while setting themselves up for long-term wealth at the same time. So even if you feel behind or uncertain about your future, this book provides a step-by-step road map that can help you fast-track your way to financial stability and freedom.