Accountant and Financial Expert Talaya Scott Shares the Top 3 Tips to Improve Your Credit

Talaya Scott is an accountant, published author, professor, and money master coach who has years of experience in finance management. She has served the United States Air Force for eight years in Military Finance. She has also worked for one of the highly prestigious big 4 accounting firms, Ernst & Young LLP. Having a Master’s degree in Accounting and Financial Management and her length of service in the finance sector has earned him great respect and command over the field. Today, she is a full-time accounting instructor at Milwaukee Area Technical College, shaping young minds for the future.

In this article, financial expert Talaya shares the top 3 tips to improve your credit as it is very important in all aspects of your life. Even with really good credit, climbing to the next rank is crucial to major credit bureaus when looking for private loans, homes, or investment opportunities.

Always pay on time

This is the standard rule to improve your credit. Always pay on time. Talaya guides all her clients to stay on top of payments either by setting up a calendar reminder or enrolling in automatic payments. Talaya’s golden rule to make this possible is to only charge what you can afford every month and pay in full!

Stick to a budget 

Budgeting is the best way to track your income and expenses, helping you figure out how much money you need to cover monthly expenses.  According to Talaya, it keeps a check on spending too and that is something we all need in our life. Sticking to a budget helps you meet important financial goals and helps you avoid missing bill payments.

Stay well below your credit limits

Keeping your credit utilization low is better for your credit score. Talaya educates her clients and followers to pay off balances in full and on time while also making sure to stay well below the credit limit. Using a large portion of your credit limit can do a lot of damage. By reducing your reliance on credit, you can hold yourself back from carrying a high balance on your card.

Talaya is also a self-made entrepreneur and owns her business, FIIT Perspective. It is an educational company that aims to promote and provide financial literacy through specially curated courses and money master classes. She also uses her social media platforms to talk to people through FIIT Conversations, a monthly conversation series about personal financial management. She believes that if people talk about it, share their experiences and learn from each other; they can manage finances successfully.

To be a part of Talaya’s journey through financial literacy education, connect with her through her social media channels.

Instagram: @talayascott @FIITPerspective

Facebook: Talaya Scott

FB Business:  FIITPerspective

YouTube: FIIT Perspective (Talaya Scott)

Linked In: Talaya Scott

Website: www.fiitperspective.com