Understand Your Credit Score

FinanceBeginnerHome

90 minutes

5 steps

·Beginner

After 90 min: Know your credit score and 3 ways to improve it

What you need

internet access

The 90-Minute Plan

Get Your Score Free0–15 min

Visit annualcreditreport.com or use Credit Karma. Check your credit score and report from one bureau.

Understand the Components15–35 min

Learn the 5 factors: payment history (35%), amounts owed (30%), length of history (15%), new credit (10%), mix (10%).

Review Your Report35–55 min

Read your credit report line by line. Look for errors, late payments, collections, or accounts you don't recognize.

Dispute Errors55–75 min

If you find inaccuracies, file a dispute with the credit bureau. Provide documentation.

Plan Your Improvements75–90 min

Write 3 goals: pay on time, reduce credit card balances, don't close old accounts. Set monthly check-ins.

Pro Tip

Check your credit at least once a year. Good credit saves you thousands on mortgages and car loans.

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