Credit building
Credit building guidance
Credit scores are calculated by scoring companies from the information in your reports. These habits are widely recognized as important over time. Individual results vary.
Habits that matter
- Pay on time. Payment history is one of the most important factors in common scoring models. Automatic payments or reminders can help.
- Keep balances low relative to limits. High balances on revolving accounts can weigh on scores.
- Apply for new credit only when you need it. Several applications in a short time may have an effect.
- Keep an eye on your reports. You can get your reports through AnnualCreditReport.com and dispute errors for free.
We can explain these habits in the context of your own reports during a consultation. We don’t sell credit products or loans.
Calculator
Illustrative principal-and-interest comparison
Enter your own numbers to compare two interest rates on the same loan. This estimate excludes taxes, insurance, PMI and fees. It is not a loan offer or a rate quote, and it does not predict the rate you’ll be offered.
Have questions about your credit reports?
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