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18:["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-6 mb-8","children":[["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":[["$","h3",null,{"className":"font-semibold mb-4 flex items-center gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-star h-5 w-5 text-yellow-500","children":[["$","path","r04s7s",{"d":"M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"}],"$undefined"]}],"Immediate Actions (0-30 days)"]}],["$","ul",null,{"className":"space-y-2 text-sm","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Pay down high credit card balances"}]]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Set up automatic payments"}]]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Request credit limit increases"}]]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Dispute any errors on credit report"}]]}]]}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":[["$","h3",null,{"className":"font-semibold mb-4 flex items-center gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-trending-up h-5 w-5 text-blue-500","children":[["$","polyline","126l90",{"points":"22 7 13.5 15.5 8.5 10.5 2 17"}],["$","polyline","kwv8wd",{"points":"16 7 22 7 22 13"}],"$undefined"]}],"Long-term Strategy (3-12 months)"]}],["$","ul",null,{"className":"space-y-2 text-sm","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":["$L2c","$L2d","$undefined"]}],"$L2e"]}],"$L2f","$L30","$L31"]}]]}]}]]}]
19:["$","div",null,{"ref":"$undefined","className":"rounded-xl border text-card-foreground shadow bg-yellow-50 border-yellow-200 mb-8","children":["$","div",null,{"ref":"$undefined","className":"p-6","children":["$","div",null,{"className":"flex items-start gap-3","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert h-6 w-6 text-yellow-600 mt-1 flex-shrink-0","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold text-yellow-900 mb-2","children":"Common Credit Score Mistakes to Avoid"}],["$","ul",null,{"className":"text-yellow-800 space-y-1","children":[["$","li",null,{"children":"• Closing old credit card accounts"}],["$","li",null,{"children":"• Making only minimum payments consistently"}],["$","li",null,{"children":"• Applying for multiple credit products at once"}],["$","li",null,{"children":"• Ignoring your credit report for errors"}],["$","li",null,{"children":"• Using credit cards for cash advances"}]]}]]}]]}]}]}]
1a:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Building Credit from Scratch"}]
1b:["$","p",null,{"className":"text-gray-700 mb-6","children":"If you're new to credit or have no credit history, here's how to start building your credit score:"}]
1c:["$","div",null,{"className":"space-y-4 mb-8","children":[["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","h3",null,{"className":"font-semibold mb-2","children":"1. Start with a Secured Credit Card"}],["$","p",null,{"className":"text-sm text-gray-600","children":"Apply for a secured credit card where you deposit money as collateral. Use it for small purchases and pay in full each month."}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","h3",null,{"className":"font-semibold mb-2","children":"2. Become an Authorized User"}],["$","p",null,{"className":"text-sm text-gray-600","children":"Ask a family member with good credit to add you as an authorized user on their account. Their payment history can help build your credit."}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","h3",null,{"className":"font-semibold mb-2","children":"3. Pay Utility Bills On Time"}],["$","p",null,{"className":"text-sm text-gray-600","children":"Ensure all utility payments (electricity, water, internet, phone) are paid on time as these contribute to your credit history."}]]}]}]]}]
1d:["$","$L32",null,{"className":"my-8"}]
1e:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Timeline: When to Expect Results"}]
1f:["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-3 gap-4 mb-8","children":[["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow text-center","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","div",null,{"className":"text-lg font-bold text-blue-600 mb-2","children":"1-3 Months"}],["$","div",null,{"className":"text-sm font-medium","children":"Immediate Improvements"}],["$","div",null,{"className":"text-xs text-gray-600 mt-1","children":"Lower utilization, dispute resolution"}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow text-center","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","div",null,{"className":"text-lg font-bold text-green-600 mb-2","children":"3-6 Months"}],["$","div",null,{"className":"text-sm font-medium","children":"Noticeable Changes"}],["$","div",null,{"className":"text-xs text-gray-600 mt-1","children":"Payment history improvements"}]]}]}],["$","div",null,{"ref":"$undefined","className":"rounded-xl border bg-card text-card-foreground shadow text-center","children":["$","div",null,{"ref":"$undefined","className":"p-4","children":[["$","div",null,{"className":"text-lg font-bold text-purple-600 mb-2","children":"6-12 Months"}],["$","div",null,{"className":"text-sm font-medium","children":"Significant Growth"}],["$","div",null,{"className":"text-xs text-gray-600 mt-1","children":"Consistent habits pay off"}]]}]}]]}]
20:["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Conclusion"}]
21:["$","p",null,{"className":"text-gray-700 mb-6","children":"Improving your credit score in the Philippines requires patience, consistency, and strategic planning. By following this step-by-step guide and maintaining good financial habits, you can significantly improve your creditworthiness and unlock better loan terms and financial opportunities."}]
22:["$","p",null,{"className":"text-gray-700 mb-8","children":"Remember, credit improvement is a marathon, not a sprint. Stay consistent with your efforts, monitor your progress regularly, and be patient as positive changes take time to reflect in your credit score."}]
23:["$","div",null,{"ref":"$undefined","className":"rounded-xl border shadow bg-gradient-to-r from-blue-600 to-green-600 text-white","children":["$","div",null,{"ref":"$undefined","className":"p-8 text-center","children":[["$","h3",null,{"className":"text-2xl font-bold mb-4","children":"Ready to Find Loans for Your Improved Credit?"}],["$","p",null,{"className":"mb-6 opacity-90","children":"Once your credit improves, compare the best loan offers from trusted Filipino lenders"}],["$","div",null,{"className":"flex flex-col sm:flex-row gap-4 justify-center","children":[["$","$Ld",null,{"href":"/","children":["$","button",null,{"className":"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-colors focus-visible:outline-none focus-visible:ring-1 focus-visible:ring-ring disabled:pointer-events-none disabled:opacity-50 [&_svg]:pointer-events-none [&_svg]:size-4 [&_svg]:shrink-0 shadow-sm h-10 rounded-md px-8 bg-white text-blue-600 hover:bg-gray-100","ref":"$undefined","children":"Compare Loans Now"}]}],["$","$Ld",null,{"href":"/blog","children":["$","button",null,{"className":"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-colors focus-visible:outline-none focus-visible:ring-1 focus-visible:ring-ring disabled:pointer-events-none disabled:opacity-50 [&_svg]:pointer-events-none [&_svg]:size-4 [&_svg]:shrink-0 border bg-background shadow-sm h-10 rounded-md px-8 border-white text-white hover:bg-white hover:text-blue-600","ref":"$undefined","children":"Read More Guides"}]}]]}]]}]}]
24:["$","$L33",null,{"children":["$L34",["$","$L35",null,{"promise":"$@36"}]]}]
2a:["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2 text-lg","children":"Diversify Your Credit Mix"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"Having different types of credit (credit cards, personal loans, auto loans) shows you can manage various financial products responsibly."}]]}]
2b:["$","div",null,{"className":"flex gap-4","children":[["$","div",null,{"className":"flex-shrink-0 w-8 h-8 bg-green-600 text-white rounded-full flex items-center justify-center font-bold","children":"6"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-semibold mb-2 text-lg","children":"Limit Hard Inquiries"}],["$","p",null,{"className":"text-gray-700 mb-3","children":"Apply for new credit sparingly. Each application creates a \"hard inquiry\" that can lower your score temporarily. Space out applications by at least 6 months."}]]}]]}]
2c:["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}]
2d:["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}]
2e:["$","span",null,{"children":"Maintain low credit utilization consistently"}]
2f:["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Build payment history with secured cards"}]]}]
30:["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Consider becoming authorized user"}]]}]
31:["$","li",null,{"className":"flex items-start gap-2","children":[["$","svg",null,{"ref":"$undefined","xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-circle-check-big h-4 w-4 text-green-600 mt-0.5 flex-shrink-0","children":[["$","path","yps3ct",{"d":"M21.801 10A10 10 0 1 1 17 3.335"}],["$","path","1pflzl",{"d":"m9 11 3 3L22 4"}],"$undefined"]}],["$","span",null,{"children":"Monitor credit report quarterly"}]]}]
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