NEXGEN HEADLINES
MONEY · CREDIT
9 steps that actually move the number
Payment history (35%) and amounts owed (30%) make up about two-thirds of your FICO score.
NEXGEN HEADLINES · 1/9
Get free weekly reports from all 3 bureaus at AnnualCreditReport.com.
NEXGEN HEADLINES · 2/9
Wrong late payments or balances? Dispute with proof. Bureaus generally must investigate in about 30 days.
NEXGEN HEADLINES · 3/9
Set autopay for at least the minimum on every account. One 30-day late can hurt for years.
NEXGEN HEADLINES · 4/9
Keep card balances under 30% of your limits, ideally under 10%. This can improve in a month or two.
NEXGEN HEADLINES · 5/9
Issuers report the statement balance. Pay down before it closes to report a lower number.
NEXGEN HEADLINES · 6/9
Old no-fee cards help your credit age and total limit. Use one small autopay charge.
NEXGEN HEADLINES · 7/9
Each hard inquiry can cost a few points. Skip store cards at checkout.
NEXGEN HEADLINES · 8/9
No one can legally remove accurate info. Anything they can do, you can do free.
NEXGEN HEADLINES · 9/9
FREE U.S. GUIDE
Myths, timelines, and how to build credit from scratch.
General information, not financial, legal or medical advice. nexgenheadlines.com