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What You Can Do Right Now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Are you getting ready to apply for credit? Read "Who Uses Your Credit Reports and Scores" to understand how your credit report and scores will be used.
  • Get your credit report.
  • Next Week
  • Review your credit report.
  • If necessary, visit a nonprofit credit counseling agency for help.
  • Make a plan to improve your credit.
  • During The Next Few Months
  • Keeping working your plan. Building or rebuilding credit takes time, but small changes each day and month can make a big difference.
  • Get some support. Change takes time and having some tips, tools, and people in your corner may help keep you motivated!