My Credit Score is 623 - How I’m Managing It
Let’s talk about credit — because mine is currently a 623, and I’m not hiding it.
I’ve had an 800+ score before…
And I’ve also watched it crash into the 400s in my early 20s from bad money management.
Thousands in collections. Missed payments. Ignored notices.
Been there. Lived it. Learned from it.
Most of that debt has now been cleared or removed.
But the discipline? That’s what I’m still building.
Here’s what I’m doing differently now:
— Paying down high balances fast
— Keeping statement balances low (under 30%, aiming for under 10%)
— Weekly check-ins on my money (not waiting until the damage is done)
— No new cards unless they serve my goals
This isn’t a glow-up post.
It’s a rebuild post — from someone who’s already hit rock bottom and knows better now.
If you’re sitting with a score that feels “too far gone” to fix, I promise you — it’s not.
Your credit doesn’t define you. But how you respond? That’s where the shift starts.
Drop your credit journey below — where you started, where you are, or what you’re working on. Let’s normalize talking about this stuff.
Credit scores can fluctuate based on various factors, and a score of 623 indicates that there is room for improvement. Key aspects that negatively impact credit scores include high utilization rates, missed payments, and recent increases in balance. To begin managing your credit effectively, it's essential to prioritize paying down high balances first. Keeping your credit utilization below 30%—ideally under 10%—can significantly enhance your score. Moreover, regular check-ins on your finances can preempt larger issues from developing. Consider setting reminders for weekly assessments to track your spending and payments closely. Implementing this disciplined approach not only prevents accumulating debt but also builds a more intentional relationship with your finances. Understanding what affects your credit score empowers you to take actionable steps toward financial healing. Remember, your credit score does not define your worth. With commitment and the right strategies, you can rebuild your credit and expand your financial options.
Real talk 🙌🏼🫶