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[@BruceMcclary](/creator/twitter/BruceMcclary)
"@Experian A8. X. Focus on paying down debt to lower utilization. X. Set up auto-pay to avoid late fees. X. Consider nonprofit credit counseling if you are past due. Dont wait #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978547349271220634) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:43Z XXX followers, XX engagements


"It's almost time for the @Experian #CreditChat today from X - X PM ET I'm looking forward to being a panelist on behalf of @NFCC and hope to see YOU there too"  
[X Link](https://x.com/BruceMcclary/status/1978479306050609369) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T15:13Z XXX followers, XXX engagements


"@Experian @ACCreditCounsel @CityGirlSavings @DebtFreeGonnaBe @BeverlyHarzog @perspectives83 @Glink @JReLLz35 @JumpStart1995 It's great to be here for #CreditChat Hello everyone"  
[X Link](https://x.com/BruceMcclary/status/1978537572809818134) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:04Z XXX followers, XX engagements


"@Experian A1. Good credit is your financial foundation It impacts your ability to rent get better rates on loans/insurance and eventually secure a mortgage. Start strong #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978537813605044726) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:05Z XXX followers, XXX engagements


"@Experian A2. Start small & be consistent 1) Get a secured card or become an authorized user. 2) Use it for small purchases. 3) PAY EARLY OR ON TIME EVERY TIME. #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978539404621647926) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:12Z XXX followers, XX engagements


"@Experian A3. I wish I'd learned that utilization (credit balance vs. credit limit) is almost as important as paying on time. Keep it low (ideally under 20%) for the best score and less budget pressure. #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978540565395312897) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:16Z XXX followers, XX engagements


"@Experian A6. Myth: Paying interest is necessary to build credit. ❌ DEBUNKED: You build great credit and save the most by using your card and paying the full statement balance by the due date. #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978544188858782078) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:31Z XXX followers, XXX engagements


"@Glink @Experian Very true Chasing a perfect XXX can lead to insanity. 🤪"  
[X Link](https://x.com/BruceMcclary/status/1978544984367235334) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:34Z XXX followers, XX engagements


"@Experian A9. Dispute it quickly 1) Gather documentation. 2) Write a formal letter to the credit bureau (and the creditor). The worst thing you could do is to do nothing and hope it goes away. It won't. #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978548132850905233) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:46Z XXX followers, XXX engagements


"@Experian A10. Credit knowledge is power. Correction: Its a SUPERPOWER It moves you from reacting to surprises to proactively planning. Understanding credit helps you save money and reduce financial stress. #CreditChat @Experian @NFCC"  
[X Link](https://x.com/BruceMcclary/status/1978549299064787034) [@BruceMcclary](/creator/x/BruceMcclary) 2025-10-15T19:51Z XXX followers, XX engagements