Fix your credit like a pro
5 Simple steps to revive your score

Yep, life happens, and sometimes our credit takes a hit. The good news? A few smart money moves and these five tips can help you bounce back in no time.

A better credit score means lower interest rates, easier loan approvals, and more financial freedom. Here’s how to get started:

1. See where you stand

First, do you know your credit score? Frequently check your credit score and review your credit reports to understand what’s helping or hurting you. Think of your credit report as a snapshot of your finances. You can get Experian, Equifax, and TransUnion reports for free at AnnualCreditReport.com. Reviewing it helps you understand your starting point and plan how to boost your score.

Want a deeper breakdown? Check out our blog, Credit Scores 101, for more pro tips.

2. Fix those glitches

Mistakes can happen, even in your credit report! Errors like duplicate accounts or payments marked late when you know they weren’t can drag your score down. Correcting errors can give your credit score an instant boost. Consider it an easy win.

Highlight the mistakes in your report, file disputes directly with the credit bureaus, and provide proof, such as receipts or statements, to support your case.

3. Pay bills like a pro

Paying bills on time is huge for your credit. If you’re bad with dates, try autopay or reminders to stay on track. Got high-interest debt? Tackle that first while keeping up with other payments. It’s all about proving to lenders you’ve got this!

4. Use less, improve more

Your credit utilization, or how much of your available credit you’re using, is a big deal. Keeping it under 30% can boost your score – just pay down balances, spread them across cards if needed, and maybe hold off on that big splurge for now.

5. Keep your oldest accounts open

Don’t close your oldest accounts! They show your credit history, and the longer the history, the better. Even if you’re not using those old cards much, keeping them open can work in your favor. It’s an easy win for your credit journey.

Take charge of your credit journey

Keep tabs on your score throughout your journey with free tools like CreditKarma and Experian. Stay consistent with these financial habits and you’ll be on your way to financial freedom in no time!