You’ve built a thriving business. You’re serving clients at a deep level—helping postpartum moms rebuild strength, guiding perimenopausal women through sustainable nutrition, or coaching “dad bod’s” toward real change. 

But there’s one thing most wellness pros still aren’t talking about: 

 👉 Credit. 

And no—we’re not talking about racking up points, miles or playing the system. We’re talking about understanding and optimizing your credit so it can fuel your freedom, fund your growth, and support the life you’re building beyond your client check-ins and macros. 

So many of our clients—smart, successful health and nutrition entrepreneurs—still feel unsure or even embarrassed about their credit. But here’s the truth: 

You can be making $30K, $50K even $100k+ a month and still have a credit score that’s not working in your favor. 

How do we fix that? 

What Actually Makes Up a Credit Score (and What Doesn't) 

Spoiler: it’s not how much money you make. 

Your credit score is based on five core factors: 

1. Payment history (35%) – Are you paying on time? 

1. Amounts owed (30%) – How much of your available credit are you using? 

1. Length of credit history (15%) – How long your accounts have been open. 

1. Credit mix (10%) – A healthy variety of credit types (loans, cards, etc.) 

1. New credit (10%) – How often you're applying for new lines. 

So no, paying off your cards every month isn’t enough if your utilization is still high or you closed that 10-year-old card last year (ouch). 

⚠️ Common Credit Mistakes We See Wellness Entrepreneurs Make 

Let’s normalize talking about this stuff—without shame. 

Here are just a few of the missteps we see often: 

• Closing old credit cards to "clean things up" (this hurts your score!) 

• Putting all business expenses on personal cards (bad for both your taxes and your credit) 

• Avoiding credit entirely out of fear or past financial trauma 

• Taking out high-interest loans during a slow season without a solid repayment strategy 

And it’s not your fault—none of this was taught in your nutrition courses or coaching mentorship. 

📈 How Credit Supports Long-Term Wealth (and Business Growth) 

Let’s say you want to: 

• Buy a home or investment property 

• Qualify for better business funding 

• Invest in a new team member or higher-level mentor 

• Feel confident during slow seasons without panicking 

Optimized credit gives you options. 

That’s why our clients build credit the right way—so they can scale with confidence, not fear. 

✅ Simple Credit-Building Strategies You Can Start Today 

1. Keep utilization under 30% (under 10% is even better) 

1. Never close old cards unless absolutely necessary 

1. Separate personal and business credit—use a business card for business expenses 

1. Don’t be afraid to ask for credit limit increases—just avoid too many inquiries at once 

1. If you’ve made mistakes, know this: credit can be rebuilt. Most improvements are visible within 3–6 months with the right plan. 

Final Thoughts 

Credit isn’t about status. It’s about strategy. 

And for you—the fitness and nutrition entrepreneur juggling transformations and client breakthroughs—it’s a tool to help build your own version of freedom. 

Your body and business are strong. Let’s make your money story just as powerful. 

🎧 Listen to the full podcast episode with The Fit Credit Doctor here 

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