06/02/2026
💳 Fewer than 2% of Americans have a perfect 850 credit score, but understanding how credit works can help you improve yours over time. 📈 Credit cards are considered “revolving” credit, while mortgages are “installment” loans with fixed monthly payments. 🏡 Both strengthen your overall credit profile and potentially improve your borrowing power. ✨ Share this with someone working toward better financial goals.