Über

---

The good news: With a little effort, it's easy enough to improve your score and get back on the path to long-term financial health.
If you don't already have it, check your credit score for free and order a copy of your credit report (you can get one free report per year through Equifax or TransUnion) so you know where you stand. With all your credit history at your fingertips, it's time to get down to business.
Look at your credit report. How many late payments are listed on your file? At 35%, payment history is the most important component influencing how your credit score is calculated. Paying all your bills on time every time is the easiest way to fix and maintain a high credit score, but it's like washing your hands: it's technically mandatory, and everyone says they do. do, but here we are anyway.
it's time to set up a budget and track it with an app like Mint that makes you honest by cataloging every purchase and

Fachgebiete

---

If you're just disorganized or distracted, this is the easiest problem to solve: Set up payment reminders through your chosen budgeting app, your calendar by email or phone, or make a list and attach it to your fridge - you must do what is necessary for the sake of your long-term financial health. Ideally, if you don't pay off your balances in full each month, your credit utilization rate should be less than 30% of your available limit.

Berufsverbände und Organisationen

---

If you're struggling with overspending, it's time to set up a budget and track it with an app like Mint that makes you honest by cataloging every purchase and trip through an ATM. If you are in financial difficulty, contact your creditor as soon as you expect to be unable to meet your obligations. Lenders want you to pay them back, so they are often willing to work with you if you tell them before you hit the bottom of the hole.