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Guidance for Building Better Credit Habits

Understand payment history, balances, credit use, and inquiries. We connect the information on your reports to practical habits you can work on over time.

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A practical place to begin.

You can learn about credit without trying to master everything at once. We help connect the information on your reports with everyday decisions and habits you can maintain.

  1. Understand the difference between a report and a score.

    Learn what a credit report records and what a credit score represents. Understanding the distinction can make the information less confusing.

  2. Learn how balances, payments, and inquiries fit together.

    Look at how account information fits together instead of focusing on one number. Bring the questions that arise as you review your own situation.

  3. Build a credit checklist around your situation and goals.

    Choose a manageable habit, such as keeping payment dates in one place or reviewing a report regularly. Build from a step that fits your routine.

A little preparation helps.

Consider what you would most like to understand and what financial goal is motivating you. A question is enough to start the conversation.

Start with a brief message. Please don’t send Social Security numbers, full account numbers, or copies of sensitive documents through the contact form.