Understanding Your Credit Score

Understand your credit score

You are entitled to a free credit report once a year. Go to AnnualCreditReport.com to pull your report.

Pay your bills on time

Sounds simple enough, but if you have trouble remembering this task, consider setting up email or text payment reminders with your creditors, or automatic bill payment.

Pay at least the minimum on your credit card bill

Pay more if you can.

Understand your credit score

You are entitled to a free credit report once a year. Go to AnnualCreditReport.com to pull your report.

Pay your bills on time

Sounds simple enough, but if you have trouble remembering this task, consider setting up email or text payment reminders with your creditors, or automatic bill payment.

Correct errors on your credit report

Look for things like incorrect listed late payments; contact the three credit rating agencies if you see discrepancies.

Equifax at Equifax.com
TransUnion at Transunion.com
Experian at Experian.com

Reduce your debt

Create a plan to pay off your highest interest rate debts first while maintaining minimum payments on your other accounts.