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Improve Your Credit

Building stronger credit

Credit plays an important role in helping you reach your financial goals. If your credit isn’t as strong as you’d like, you may be able to improve it. Take action now, and you’ll reap the benefits of better credit over time.

Taking control of your finances can help you manage your money more effectively and build a stronger credit history. Gain a better understanding of your current credit situation and find smart strategies for improving it.
Green BulletCheck Your Credit Report
Start by reviewing your credit report so you can see what lenders see. Learn how to obtain a copy of your report from the major credit-reporting companies and correct any errors you find.
Green BulletUnderstand the Factors that Affect Your Credit
Your credit score gives lenders a snapshot of your credit risk. By understanding what impacts your score, you may be able to improve it.
Green BulletRaise Your Credit Score
Managing your credit responsibly over time is one of the best ways to improve your credit score. These practical tips can help.
Green BulletCreate and Monitor Your Budget Online
A budget gives you more control over your finances and helps you eliminate unnecessary expenses. Use our free tool to create a budget online and track your progress.
We’ll help you make a plan to improve your credit, and we’ll work to find financial options for your situation.
Green BulletCredit Improvement Checklist (PDF)*
Find out what you can do right now to address a less-than-perfect credit history, too much debt for your income, and other common situations. And find out what we can do to help.
Green BulletDebt Consolidation Options
Consider rolling your debts into a single loan — it could help you manage your debt more effectively and lower it over time. We’ll help you decide which debts to consolidate and which loan option is right for your situation.
Green BulletCredit Counseling and Assistance
Confidential budget counseling and debt management services are available from the non-profit CredAbility. Depending on your situation, this organization may be able to help you avoid foreclosure or bankruptcy, reduce your interest rates, and pay off your debts. .
Green BulletAssistance for Current Wells Fargo Homeowners
If you’re past due on your mortgage or home equity loan, contact us today. We offer options that may help you protect the personal and financial investment you’ve made in your home.
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