Credit Score and Credit Report

You can take control of your finances by reviewing your credit report on a regular basis and tracking your credit score.

Credit Card Debt Help

Debt Management

How Can I Raise My Credit Score?

I have messed up on paying my bills in the past, but now I am enrolled in a debt counseling program and paying my bills on time. I kept one credit card out of the debt program that I pay on time every month. What else can I do to raise my credit score?

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Why You Need Good Credit

Good credit saves you money. Good credit keeps your interest rates low, so you can afford to buy a new car or a well-maintained used car instead of a lemon. Furthermore, that low rate saves you hundreds of dollars in car payments each month.

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How Will A Short-Sale Affect My Credit Score?

After a short sale, what kind of hit can I expect on my credit score, and about what would be the recovery time for my credit score?

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How To Check Your Credit Report and Score

The first step to improving your credit score is checking your credit report. You can access a free copy of your credit report from the three major reporting bureaus, Experian, Equifax, and TransUnion, by visiting this website:

Note: your free credit report does not come with a credit score. To see and track your credit score for free, set up an account at Credit Karma.