Information is great. But taking small steps now can lead to big changes.
Today
Are you planning on opening a checking account, renting an apartment, or applying for a job? If you suspect one of these reports has negative information about you, request your free annual report.
Use the list from the Consumer Financial Protection Bureau to help you figure out which companies to contact.
Next Week
Because many business also use credit reports, get and review your credit report.
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 apply 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. Stay current with all of your bills, pay down debt balances, and 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!
