Free Resources for Rebuilding Your Credit

Rebuilding your credit step-by-step to achieve the credit score you want.

If you’ve faced challenges with debt, there’s a good chance you’ve taken some damage to your credit. But the good news is that your bad score won’t last forever and there are steps you can take to rebuild your credit, so you can recover quickly. Some steps can start to improve your credit in just 30 days and most of these steps for rebuilding your credit can be accomplished in as little as six to twelve months.

These resources will walk you step-by-step through the process of rebuilding your credit. You’ll learn how to review your credit reports and dispute any mistakes or errors you may find. Then we’ll explain how to take positive actions now that can quickly offset any penalties you’ve incurred in the past. If you have questions, just hit the Ask a Question button at the bottom of the page to get in touch with our certified financial coaches.

Video: Learning how to read your credit report

Your credit report contains vital information that determines whether you get approved for loans, credit cards, property rentals and even pass an employment check. So, it’s important to be able to read your report to know what it says and identify potential errors that could be damaging your credit score.

Infographic: Cleaning up your credit report

An FTC study in 2013 found that 1 in 4 credit reports contains an error and 1 in 20 contain an error that would damage the consumer’s credit score by 25 points or more. So, it’s in your best interest to review your credit report regularly so you can spot any errors. When you find them, follow these instructions to clean up your credit report.

Self-Help Guide: Rebuilding your credit

Once you clean up your credit report to correct any mistakes, it’s time to take action to rebuild your credit. You can’t erase negative items that you legitimately incurred. But the good news is that you can quickly offset them with positive credit actions now. If you follow this advice, you could see your score improve dramatically in the next 6-12 months.

Video: How do credit inquiries impact your credit game?

In our next Game of Good Credit video, we explain the ins and outs of credit inquiries. Learn the difference between hard and soft inquiries, how long they remain on your report and how they affect your credit score.