How to Improve Your Credit Score

Don't despair if you have a low credit score. With time and discipline, you can dramatically improve it. Make a commitment to limiting your use of credit. Use the following advice to improve your score.

  • Check your credit reports and dispute any inaccuracies. Fixing problems can raise your score. Checking your own credit report does not affect your credit rating.
  • Pay off accounts that are with collection agencies. This will not remove them from your credit report, but your score should improve when the accounts are shown as paid.
  • Pay your bills on time.
  • Pay off debt rather than moving it around. Don't close the accounts. Closing an account doesn't erase it from your credit history. A longer credit history helps increase your score.
  • Maintain low balances on credit cards.
  • Don't open new credit card accounts just to increase availability of funds.
  • Contact your lenders if you are struggling to pay your bills.

Schedule an appointment for consumer credit counseling services

RethinkingDebt.org is committed to outstanding customer service. Our Client Support Department is open daily from 9 am - 8 pm EST. Explore our consumer credit counseling services. We offer debt consolidation and debt management programs, bankruptcy counseling, foreclosure prevention counseling, housing counseling, and a variety of financial education programs.

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