A SMART goal stands for specific, measurable, attainable, realistic, and time bound.
They allow you to make long and short term goals.
A credit report is a record of the use of your credit report. A credit score is a numerical summary of your credit history that indicates credit worthiness of showing how you paid your loan, as agreed.
What's the difference between credit report and credit score?
Well, you should pay as much as you can each month. Try not use your credit card for everything, try using debit or cash sometimes. Lastly, like I said earlier, make SMART goals.
You were saying earlier that credit cards can be dangerous and you have to careful with them, but if you end up with debt, but how can you over come it?
So the moral of the story is to be careful when using credit. There are advantages and disadvantages , and I know now when and not to use it.