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Personal Responsibility Essay: Academic Success vs. Creating an Excellent Credit Score
Charnelle Riley
GEN 200
July 23, 2013
Hector Fulgencio

Personal Responsibility Essay: Academic Success vs. Creating an Excellent Credit Score

The definition of personal responsibility is when a person is responsible for all that concerns them. Personal responsibility is a subject that not everyone will define the same. Viewpoints are often influenced by culture, peer pressure, and others opinions. Being accountable may range from daily chores, work duties, acquiring a good credit score, taking charge of your education, to being an active member of your community. An article found by Steve Brunkhorst, labeled ‘12 Reflections on Person Responsibility’ reinforces the point made in this essay, “Personal responsibility begins from the inside and moves outward. We must begin by taking responsibility for our thoughts, choices, and reactions. Then we can be responsible for the circumstances we create in our world” (Brunkhorst, 2005, pp 1).

People will often show that they are responsible when they have built a high credit score. Building a high credit score means that a person has paid his or her creditors on time. Another factor that will help credit limits rise is to make sure that the limits are not maxed out for each line of credit that may be opened. An article written by Selena Maranjian and Dan Caplinger, Six Smart Moves to Boost Your Credit Score state, “It's a good idea to keep your outstanding balances to less than 25 percent of the money available to you to spend. If you are not able to pay down your balances ASAP, you can go at the problem from a different angle by calling your lenders and asking them to raise your credit limit” (Caplinger & Maranjian, 2010, pp 4). With building an excellent credit score the task takes time and diligence. It is known

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