10 Ways to Rebuild Credit

Need help rebuilding your credit? Follow these helpful tips to ensure you stay on track throughout your credit-rebuilding journey.

1. Pay Bills on Time — One late payment can hurt your score.

2. Stay Current on Accounts — Catch up on any late accounts.

3. Reduce Balances — Keep credit card balances under 30% of your credit limit.

4. Limit New Inquiries — Apply for new credit only when necessary.

5. Rebuild With Care — Use secured cards or small loans responsibly.

6. Don't Close Old Accounts — Maintain older accounts to boost your average account age.

7. Diversify — Manage different types of credit.

8. Review Credit Reports — Pull reports at AnnualCreditReport.com and check for accuracy.

9. Be Cautious with Debt Settlement — Pay in full when possible.

10. Seek Support — Connect with a trusted nonprofit, like GreenPath, for personalized advice.