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What You Can Do Right Now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Check your credit reports once a year to make sure there are no errors. Go to to access your credit reports from Equifax, Experian and Trans Union.
  • Next Week
  • Make a plan for strengthening your credit report. Use our tool “Building Your Credit” to guide your through some alternatives.
  • If you have no credit history use our tool “Building a Non-Traditional Credit Report” to demonstrate your good track record in paying your bills. Make sure that your prospective lender will accept these documents.
  • In the Next Few Months
  • After you have set upon the path to strengthening your credit report, continue paying your debts on time and keeping credit card balances well below 25% of your limit.