Credit, reports and scores
- How credit scores workPayment history counts most, then how much of your limit you use. Autopay every bill and keep balances low.
- Reading your credit reportGet all three reports free, weekly, at AnnualCreditReport.com, and check every account, address and late payment.
- Disputing errors on your reportDisputes are free. Write to the credit bureau and the company that reported it, with copies of your proof.
- Your first credit cardStart with a secured or student card, use under 30% of the limit, and set autopay so you never miss a payment.