Business

Jose Rodriguez aka The Credit Dude Shares 5 Tips To Boost Your Credit Score

Published

5 years ago

October 5, 2020

The world flipped on its head during the coronavirus pandemic, hitting businesses and individuals hard throughout it. People weren’t prepared for this, which resulted in countless job losses, lack of steady income, not knowing where the next paycheck was coming from, and what would happen to their credit.

Credit is more important now than ever, as a bad credit score can be the be all and end all when it comes to making that purchase you desperately need. Fortunately credit consultant and expert Jose Rodriguez, aka The Credit Dude has the knowledge and expertise to maximise your credit, even during the toughest of times. Here The Credit Dude shares 5 tips to get your credit score in check.

Always Call Your Creditors

Ignoring phone calls, emails and letters regarding past due accounts is never a good idea. It is the time to take control and find out exactly what is available to you, and if creditors can offer any kind of accommodations. If you decide to ignore your accounts that you’re required to pay and make no mention that you had been affected by COVID-19, then you’ll definitely not be able to take any kind of advantage of courtesy adjustments that may be on offer.

Make a habit of picking up the phone to see what is available for you, and for how long. A 2 or 3 month deferment on your mortgage or car can even allow you to breathe and pay down other accounts – or even build a nest egg for you and your family’s future. Make sure to ask if it is required of you to pay the deferred payments amount in full, or if they’re able to place it on the back end of the loan – once you’ve gotten past the accommodation period.

Ensure You Apply for a Personal Loan

A personal loan application at your local credit union can prove to be a big advantage. This is because it allows you to pay off your credit cards and make just one monthly payment towards your personal loan. This keeps the credit cards open, however it transfers the debt from revolving to installment – which will cause your credit score to improve.

Don’t apply for a long term, 60-month loan. Keep it short and sweet, around the 24-36 month range. One of the last things you want to do, would be to take out a loan for 4 years, and then proceed to once again max out your credit cards, leaving you in a far worse position than before.

Don’t Be Afraid To Ask for Credit Limit Increases

The higher your credit limits are, the higher your credit score can be – but only if you have low balances on your credit cards. If you do get approved for a personal loan to pay down your credit cards or if you’re able to pay off your credit cards on your own, ask for an increase in your limit once the balance is under 30% of the credit limit.

This increases your available credit, which ultimately contributes to maximizing your credit score. The amount you owe on your credit cards compared to the available credit, should be 30% of your credit score, or roughly 165 points.

Use Turo To Rent Your Car

Turo is a business that enables you to rent your car out to people. And get paid for it. This can be a massive help when it comes to covering monthly payments. You can even make more money to cover other expenses and bills you may have. Some people in his network even have 2 or 3 cars on Turo. Not only are their car payments covered, but they can use anything extra they make to go towards their electric, water and cable bills.

Visit their site or download their app to check out reviews and scope out other cars in your area, in order to see how much you’d be able to rent your car out for. If for example, your normal car payment is around $400 a month. Let’s say you can use Toro to rent your car out for $50 a day, imagine what you could make renting out your car for the whole month – that’s an extra $1,500 per month.

Start Your Own Business

Having a back up plan is more important now than ever. If you are lucky enough to have some kind of talent or a hobby that could make you money – leverage it. There are so many products in demand, and you can make nearly anything and sell it on Etsy or Amazon. “I have seen people go to garage sales and buy something for a few bucks and then sell it on Ebay for a lot more -making a pretty amazing profit. Even if it’s bracelets, facemasks, or even over a service like laundry, haircuts, or even cutting hair, that can help you start a business” Jose says.

You could be generating an extra $500 a month, which could go towards paying off your credit cards or other kinds of debt on your credit report. Every cent is important when it comes to paying off your debt. It helps with not only maximizing your credit score but saves you money interest if you can pay it off sooner.

So, there you go. Jose’s 5 tips will help you to maximize your credit score and get your credit back on track post COVID-19. Make sure to go follow Jose on Instagram at @thecreditdude where he shares daily tips on how to improve your credit and master your finances. You can also visit his website if you’d like to learn more.

Business

Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

Published

1 month ago

July 26, 2025

Matthew Wiles

There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.

Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.

The Habits That Build Momentum

At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.

First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.

Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.

Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.

Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.

Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all.

Turning Habits into Infrastructure

What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.

Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.

Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.

Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”

Avoiding the Common Traps

Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.

Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.

Scaling Through Self-Replication

In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.

Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.

In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.