@cmhbusinesssolutions: Let’s get that score UP before the gift receipts start piling up. In this post: 1. Why your utilization matters more than your balance 2. The best time to make your payment (hint: not the due date) 3. Why adding a secured card is smarter than waiting for approval 💡 BONUS: A hack you can do this weekend to raise your score 20+ points Share with someone who always shops before they plan. #CreditTips #BuildCredit #FinancialFreedom #CMHBusinessSolutions #HolidayBudgeting