Improving Lisa's Credit Score

"Meet Lisa — she's 32 years old with a 680 credit score. That’s considered a fair score,

but she’s hoping to raise it so she can qualify for a better rate on a home loan soon.

Here’s a quick summary of her credit situation: Lisa has two credit cards, both at about 40%

of their limit, and a student loan that she’s been paying down consistently. She’s never missed

a payment, which is great — it shows strong financial responsibility. But even with good

habits, that 40% utilization might be holding her back. In the next video,

we’ll talk about why her score is what it is and what could be affecting