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0 of 6 steps completedStep-by-Step Instructions
1 Step 1: Check Credit Reports for Errors
Step 1: Check Credit Reports for Errors
Pull free reports from all 3 bureaus at AnnualCreditReport.com and dispute any inaccuracies.
Credit Repair Book
Guide to improving and repairing credit score
Credit Monitoring Service
Monthly credit score tracking and alerts
2 Step 2: Pay All Bills On Time
Step 2: Pay All Bills On Time
Payment history is 35% of score - set up autopay or reminders to never miss due dates.
Bill Payment Organizer
Planner for tracking bill due dates
3 Step 3: Reduce Credit Card Balances
Step 3: Reduce Credit Card Balances
Keep utilization under 30% (ideally under 10%) by paying down balances or requesting limit increases.
Debt Payoff Tracker
Visual chart for tracking credit card payoff
4 Step 4: Keep Old Accounts Open
Step 4: Keep Old Accounts Open
Length of credit history matters - keep oldest cards active with small recurring charges.
5 Step 5: Limit New Credit Applications
Step 5: Limit New Credit Applications
Each hard inquiry can drop score 5-10 points - only apply when necessary.
6 Step 6: Diversify Credit Mix
Step 6: Diversify Credit Mix
Having mix of credit cards, installment loans, and other accounts can help score over time.
Credit Builder Loan
Small loan designed to build credit history
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