Information is great. But taking small steps now can lead to big changes.
Today
If you know you have poor credit, try not to be discouraged. Many people are experiencing the same situation.
Get and review your credit report
Get help reading your credit report from a nonprofit consumer credit counseling agency near you.
Next Week
If having good credit is important to you, make a plan to improve it. This is important if you want to make a big purchase or qualify for a job that will heavily consider your credit report.
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. Stay current with all of your bills, pay down debt balances, make sure the amount of credit you are using is a small percentage of your available credit limit.
Be sure you understand how to keep good credit once you build or improve it. Don’t let a small mistake undo your hard work.
Get some support. Change takes time and having some tips, tools, and people in your corner may help keep you motivated!
