How to Improve Your Credit Score and Manage Debt: Free BOT Community Event on August 19
Your credit score touches almost everything: the apartment you can rent, the car loan rate you qualify for, even some job applications. Yet most of us were never actually taught how credit works. Many of us learned what credit was by trial and error, and the occasional expensive mistake.
That's exactly why Building Our Tech (BOT), in collaboration with Chase, is hosting Improving Credit and Managing Debt, a free, beginner-friendly community event designed to help you take control of your financial future.
📅 Event Details
What: Improving Credit and Managing Debt
When: Tuesday, August 19th, 6:00 PM – 8:00 PM
Where: The Conduit- Theater Room - 1001 N. Orange Ave., Orlando, FL 32801
Cost: Free
Who it's for: Anyone who wants to build stronger credit, pay down debt, or simply understand how credit decisions affect their financial life
Whether you're just starting to establish credit for the first time, or you're working to recover from past financial setbacks, this session meets you where you are.
What You'll Walk Away Knowing
We built this session around the three things people ask about the most:
📈 Building a Positive Credit History
What actually affects your credit score? We'll break down the fundamentals of how credit works, the key factors that influence your score, and the simple, sustainable habits that build a strong credit history over time.
💳 Reducing Your Credit Utilization
Your credit utilization ratio is one of the single biggest levers affecting your score, and it's also one of the most misunderstood. We'll show you practical strategies to lower it and explain exactly why it matters so much to lenders.
⚠️ Dealing With Delinquent Debts
Past-due accounts can feel overwhelming, but they're manageable with the right approach. We'll walk through how to address delinquent debts, communicate confidently with creditors, and build a realistic plan to move forward.
Why This Event Matters
Credit health is directly tied to economic mobility, one of our mission pillars. A stronger credit score can mean lower interest rates, better housing options, and more financial breathing room, making it easier to invest in your career, education, and future in tech. Understanding credit isn't just a "nice to have" life skill; it's a foundation for everything else you're building.
Who Should Come?
Short answer: everyone.
New to credit and want to start off strong
Rebuilding credit after a rough financial stretch
Actively working to pay down debt
Just want to finally understand how credit decisions actually work
No prior financial knowledge is needed, and no judgment either. We're keeping this practical, approachable, and human.
Bring Your Questions
This isn't a one-way lecture. We're building in dedicated time for open discussion, so come ready with questions about your score, a specific credit situation, or anything credit-related you've been wondering about but haven't had the right person to ask.
Save Your Spot
Spots for our community events tend to fill up fast, and this is one you don't want to miss if you're serious about strengthening your financial foundation.
📍 Improving Credit and Managing Debt 🗓️ August 19th | 6:00 PM – 8:00 PM 💵 Free
👉 Register now to save your seat.
Get smart about your money, boost your credit, and tackle debt like a pro.
