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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.

Infographic: Cleaning up your credit report

An FTC study found that 1 in 4 credit reports contains an error and 1 in 20 contains 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.


Free Credit Repair: Step-by-Step Credit Report Cleaning Instructions

If you find mistakes or errors in your credit report that you need to dispute, use these free credit repair instructions to repair your credit so you can maximi…

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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.

Rebuilding Your Credit: How to Achieve Good Credit After a Period of Hardship

Rebuilding Credit Guide


Good credit is essential, but if you’ve face challenges with debt then your credit score may be lower than you’d like. The good news is that you can quickly offset past credit issues with positive actions now. This guide will teach you how to rebuild your credit step-by-step, so you can reestablish good credit.

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Have any questions about credit reports or credit repair? Ask our certified financial coaches, so you can start rebuilding your credit with the right information.