Improve your credit opportunities
Explore strategies for managing your credit and debt.
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Building and improving credit is an ongoing process. Whether you want to improve your credit report, or take your score from good to great, it’s possible to do with some careful planning.
Review your credit report for accuracy, and see what opportunities you have to rebuild or improve it. You can get a free copy of your credit report every 12 months from each of the 3 major credit reporting companies (Equifax®, TransUnion®, Experian®) at annualcreditreport.com. If you find information that you believe does not belong to you or is not correct, contact the business that issued the account or the credit reporting company that issued the report.
To prevent your credit situation from getting any worse, start by creating a budget that allows you to:
As soon as your finances are stable enough, you should start moving forward. Even though you may have fewer credit options now, it’s important to find ways to show positive credit activity.
Above all, remember to use your new accounts in moderation, make all payments on time, and keep your balances low.