If a program you’re using no longer justifies its annual cost, you might be tempted to cancel. But canceling can hurt your credit age and impact your score. Instead, check if there’s a no-fee version available. Downgrading often keeps your account history intact while avoiding unnecessary charges. Plus, it can set you up to re-qualify for better offers later. #CreditSmart #jrnyjoy #AccountStrategy

If a program you’re using no longer justifies its annual cost, you might be tempted to cancel. But canceling can hurt your credit age and impact your score. Instead, check if there’s a no-fee version available. Downgrading often keeps your account history intact while avoiding unnecessary charges. Plus, it can set you up to re-qualify for better offers later. #CreditSmart #glbnom #AccountStrategy

If a program you’re using no longer justifies its annual cost, you might be tempted to cancel. But canceling can hurt your credit age and impact your score. Instead, check if there’s a no-fee version available. Downgrading often keeps your account history intact while avoiding unnecessary charges. Plus, it can set you up to re-qualify for better offers later. #CreditSmart #alwaystrvlng #AccountStrategy

Consolidated Credit unveils top 5 credit myths during Financial Literacy Month. Learn how misconceptions impact financial health and discover strategies for smart credit management. #FinancialLiteracy #CreditSmart