Improving your credit score takes time and dedication, but there are steps you can take to see results. Start by paying down high-interest debts, making on-time payments, and disputing any inaccuracies on your credit report. At Credit.org, we can help to guide you through a personalized plan to boost your score efficiently and sustainably during a financial counseling session.

The primary factors influencing your credit score include your payment history, amounts owed, length of credit history, new credit inquiries, and types of credit used. Understanding these elements can help you make informed decisions to improve your score. Our team at Credit.org is here to provide detailed insights and strategies tailored to your situation.

Rebuilding credit after a financial setback involves creating a solid repayment plan, using credit responsibly, and regularly monitoring your credit report. Start by contacting one of our financial counselors who can provide you with education on how to address any delinquent accounts and work to establish a budget to avoid future setbacks. You may also be eligible for a debt management plan to help you pay off your debts through manageable monthly payments and work to rebuild your credit.

Common misconceptions include the belief that checking your credit report will lower your score, or that closing old accounts can improve it. In reality, checking your own report is considered a consumer disclosure or a soft inquiry and won't affect your score, and keeping old accounts open can help maintain a longer credit history. It’s a common credit card myth that many people believe it’s necessary to carry a balance over from one month to the next to help build credit. That’s incorrect and could be costing you money.  There is no need to carry a balance; your credit history will benefit from positive repayment habits. Our financial counselors at Credit.org can debunk myths and provide accurate information to help you manage your credit effectively.