How to Fix Your Credit Without Breaking the Bank

Learn budget-friendly ways to rebuild your credit and take steps toward homeownership with ClearRiseCredit.

1. Pull Your Credit Report

Start by visiting annualcreditreport.com and request your free credit reports from Experian, Equifax, and TransUnion.

2. Identify Negative Items

Look for late payments, charge-offs, accounts in collections, and duplicate or inaccurate data.

3. Dispute Errors

You can work with ClearRiseCredit or file disputes yourself to remove incorrect information affecting your score.

4. Pay on Time

On-time payments are the most important factor in your credit score. Set reminders or autopay to stay consistent.

5. Keep Credit Utilization Low

Try to use no more than 30% of your available credit limit to keep your score strong.

6. Avoid Too Many New Accounts

New applications can cause temporary score drops. Open new credit only when necessary.

7. Ask for Help

ClearRiseCredit offers personalized, affordable credit support that works for your lifestyle and your goals.

Let’s work together to rebuild your credit.

Start Your Free Credit Review

Or book a free consultation today.

At ClearRiseCredit, located in Sacramento, California, we're dedicated to helping you navigate the world of credit. Let's dispel some common misconceptions and offer advice to improve your credit health.

 

Biggest Misconception

One of the biggest misconceptions people have about credit scores can be found at MyFICO. Understanding the truth can significantly impact your financial decisions and credit health.

Top Advice for Improvement

If you're looking to improve your credit score, the most common piece of advice we give at ClearRiseCredit is to understand why your FICO score changes. More information can be found here.

Common Mistakes

Many people unknowingly make mistakes that negatively affect their credit score. Learn about these common pitfalls and how to avoid them by visiting MyFICO Support.

Need Help Understanding Your Credit?

Let ClearRiseCredit guide you. Contact us today for personalized assistance and start your journey towards a healthier credit score.