# đź’ł What Is a Good Credit Score? **URL:** \ **Category:** Money Matters\ **Created:** [February 3, 2026, 5:00pm UTC](https://neofinancial.discourse.group/t/what-is-a-good-credit-score/4207 "2026-02-03T17:00:42Z")\ **Posts on this page:** 1\ **Showing post:** 9
**Author:** ![Mannymayor](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/mannymayor/32/1745_2.png) [@Mannymayor](https://neofinancial.discourse.group/u/Mannymayor)\ **Post date:** [February 5, 2026, 9:07pm UTC](https://neofinancial.discourse.group/t/what-is-a-good-credit-score/4207/9 "2026-02-05T21:07:03Z")
Yeah @Yeni-Neo It’s been a journey, but a really good one! **One Practical Tip: Set attainable goals (treat yourself when you reach them)** **What I mean by that:** 👉🏽 **Credit Card?** Pay off each purchase the same day (or within a few days). This keeps your utilization low and builds the habit. 👉🏽 **Utility bills?** Get them in your name and set up pre-authorized debit. Consistent, on-time payments build your payment history. Once you hit those goals and feel confident, celebrate + level up with new ones. Want to learn more? I wrote up what wasn’t working for me before vs. what’s working now 👇🏽 > [@moneybag Money Monday: Let’s Talk Credit Scores](https://neofinancial.discourse.group/t/money-monday-let-s-talk-credit-scores/3988/9): > > What WASN’T working: Thoughtless spending. Those coffees you could make at home, but don’t. The lunches or snacks you grab on a work break that you don’t really need, but get anyway cause…it’s 2pm…you deserve a little boost. All of that adds up. And before you know it, you’ve spent $$ but with nothing to show for it. What’s WORKED for me: one Monthly check-in with our budget (be honest, or it doesn’t work) two Modify your spending—you can still have that 2pm treat or coffee outside…but if… --- _[View the full topic](https://neofinancial.discourse.group/t/what-is-a-good-credit-score/4207)._