Your credit score is a starting point. Understand the story behind it.
Learn what a score represents, why scores differ, and what deserves your attention.
Read the guideHealthy habits
Make on-time payments a habit you can keep
Simple routines that can help you stay organized around due dates.
Know what is due
Keep a list of payment dates and review statements. A calendar reminder gives you time to act before a deadline.
Use automation thoughtfully
Automatic payments can help, but check your account balance and confirm payments go through. Insufficient funds may cause fees or failed payments.
When a payment may be difficult
Contact the lender early to ask about available options. Understand the terms of any arrangement and how it may be reported.
Continue with trusted resources
FTC: Fixing your credit FAQsResults vary by individual credit profile. No score increase, deletion, or credit approval is guaranteed. Accurate and timely negative information generally cannot be removed simply because it affects a credit score. You can dispute credit report errors yourself at no charge.
General educational information. Not legal or individualized financial advice.
