Reduce credit utilization ratio to below 30% using Credit Karma or Mint Start value: 0, Target value: 30%, Notification frequency: End of Month
Make 12 on-time payments monthly using auto-pay setups on Credit.com Start value: 0, Target value: 12, Notification frequency: End of Month
Increase credit score by 50 points using Experian Boost Start value: 0, Target value: 50, Notification frequency: End of Month
Dispute and remove 3 errors from credit report using AnnualCreditReport.com Start value: 0, Target value: 3, Notification frequency: Quarterly
Pay down $1,000 of debt using Debt Reduction Calculator on Bankrate Start value: 0, Target value: $ 1000, Notification frequency: Monthly
Monitor credit score monthly using Credit Sesame or CreditWise Start value: 0, Target value: 12, Notification frequency: End of Month
Reduce outstanding balances by 15% using budgeting tools from YNAB or Mint Start value: 0, Target value: 15%, Notification frequency: End of Month
Track and review credit reports quarterly using AnnualCreditReport.com Start value: 0, Target value: 4, Notification frequency: Quarterly
Negotiate and settle 2 debts with creditors using guidelines from National Foundation for Credit Counseling Start value: 0, Target value: 2, Notification frequency: End of Month
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Initiatives
Monitor credit score regularly with free tools Use free credit monitoring tools like Credit Karma or Credit Sesame to keep track of your credit score and get insights on how to improve it.
Review and dispute credit report errors Regularly check your credit report for errors and dispute any inaccuracies using services from AnnualCreditReport.com or Experian.
Reduce credit card balances Focus on paying down high credit card balances to improve your credit utilization ratio, using debt repayment strategies from Debt.com or Undebt.it.
Request a credit limit increase Request an increase in your credit limit from your credit card issuer to lower your credit utilization, using guidelines from NerdWallet or Bankrate.
Become an authorized user on a good account Ask to be added as an authorized user on a creditworthy account to benefit from their positive payment history, following tips from CreditCards.com.
Pay off high-interest debts first Use the avalanche method to pay off high-interest debts first, freeing up more money to pay down other balances and improve your credit score.
Diversify credit types Diversify your credit portfolio by adding different types of credit, such as a personal loan or a credit builder loan, using resources from Self or LendingClub.
Use credit score simulators Experiment with credit score simulators to see how different actions could affect your score, using tools from Credit Karma or MyFICO.
Attend credit counseling sessions Participate in credit counseling sessions to get professional advice on managing debt and improving your credit score, available from organizations like NFCC or Money Management International.
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