Improve your credit opportunities
Explore strategies for managing your credit and debt.
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Página principalBuilding and improving credit is an ongoing process. Whether you want to improve your credit score, or take your score from good to great, it’s possible to do with some careful planning.
Your credit score can tell a little about your credit situation, but to understand what is behind your score, you need to see what is on your credit report.
To prevent your credit situation from getting any worse, start by creating a budget that allows you to:
If you have no available credit, and your finances are stable, you should start working towards reestablishing your credit. Even though you may have fewer credit options now, it’s important to find ways to show positive credit activity.
Improving your score takes perseverance, but it can pay off. A higher score (especially above 760) can give you more options — and better rates — if you ever need a car loan, mortgage, or home equity line of credit.
Here are some key points to consider that may help to improve your credit score:
Explore strategies for managing your credit and debt.
You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.
Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. We may use other FICO® Score versions and other information when you apply for credit. There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a specific loan rate, approval of a loan, or an automatic upgrade on a credit card.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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