Home

Credit

Credit is the first thing a lender reads.

It is the record of how you have paid what you owe. No credit history, a late payment, or high card balances can each hold a buyer back, and each one has a fix that takes time, not luck.

Start building my credit

About two minutes. No credit check.

A woman checking her phone at a table

Three moves that help

  1. 01

    Read your reports

    Get your free credit reports and check every line. Mistakes happen, and you can dispute them.

  2. 02

    Pay on time, every time

    Payment history counts the most. Turning on autopay protects it.

  3. 03

    Use less of your limits

    High card balances weigh a score down. Paying them down usually helps.

Read these three

Short and in order.

  1. Part 1The credit score you need
  2. Part 2Read your credit report
  3. Part 3Improve your credit score
All guides →

Next step

Not sure this is the one? A one-minute check can show you.

Start the check