Alright, let’s talk credit—because nothing says “adulting” like a score that decides if you’re riding in a Tesla or taking the bus. Here are five tips to boost that number before it starts ruining your life:

1. Pay your bills on time. Tracy Morgan said, “You gotta pay your dues. If you want to shine like a diamond, you gotta get cut like one.” Translation: stop ghosting your bills. Treat your credit like rent—it’s due yesterday.

2. Keep your balances low. Maxing out your card isn’t a flex; it’s financial suicide. Aim for 30% or less of your limit, and pretend that other 70% doesn’t exist—like that ex who still owes you $20.

3. Check your credit report. Mistakes happen, but don’t let an error on your report tank your score. Be nosy—it’s your life.

4. Don’t apply for every card. Stop treating credit cards like Pokémon—you don’t need to catch ‘em all. Every application dings your score, so pick wisely.

5. Be patient. Building credit takes time, like a slow-cooked brisket. Quick fixes don’t exist, so buckle up and stay consistent.

Remember, good credit isn’t about looking rich—it’s about being smart. And if Tracy Morgan can come back from hitting rock bottom, so can your score.