RAISE YOUR CREDIT SCORE

[{"selector":"#anim-6a0a851b-390c-4991-b963-94752d7e92b3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":7000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1ccc6819-e7f8-416a-8b00-e37b07f9f73c","keyframes":{"opacity":[0,1]},"delay":200,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cc063f6-5e71-4665-a947-c1659a4f01f8","keyframes":{"opacity":[0,1]},"delay":350,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7fe305ab-15b8-430d-bc21-89b4d5067f6a","keyframes":{"transform":["translate3d(0px, 257.52318%, 0)","translate3d(0px, 0px, 0)"]},"delay":350,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71cbe4e7-9652-4a21-b3f7-13107a7d520b","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] NEXGEN HEADLINES MONEY · CREDIT 9 steps that actually move the number

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[{"selector":"#anim-dc05cf00-e03b-40a9-8054-9ad536c61596","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-139abd92-55ff-47a4-84e7-71562abd6166","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d3e9f2fc-bb60-4ef2-ba2d-0b54d1195972","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-831f01b0-f61e-4769-8654-393ef3efde04","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9295c71d-cc7b-4a6d-aab3-d6a6d25b65d3","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Payment history (35%) and amounts owed (30%) make up about two-thirds of your FICO score. NEXGEN HEADLINES · 1/9

02

[{"selector":"#anim-1e90e8d6-a0e1-451f-ae46-157728ab8f7f","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-9ede26cf-d425-4b43-a9c8-c9d817ac8f1a","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ec3d7a97-f0f8-4227-ae4f-8fd86a98b289","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ae1403c-34ac-42bc-92d5-29c1f25c0835","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d57bd308-e6f6-43a4-8d90-ec666aaed9e4","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Get free weekly reports from all 3 bureaus at AnnualCreditReport.com. NEXGEN HEADLINES · 2/9

03

[{"selector":"#anim-79b5521b-69a3-4078-b2af-91718714ee24","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-7b3fd290-a480-4003-a1d7-1b1e1d7dd048","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-955d44b9-e1fe-4ee4-b423-e4913f12fbf0","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8b0cc29f-857c-4116-8170-4a30a19f9c64","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f20a0b08-90ea-4650-bfa7-0eea446928c9","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Wrong late payments or balances? Dispute with proof. Bureaus generally must investigate in about 30 days. NEXGEN HEADLINES · 3/9

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[{"selector":"#anim-eaa4b879-0e9c-4b2d-8923-e6535759d54b","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-812d6355-b50f-4bd2-96e6-696805f9313c","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7077bcca-0202-445d-a83c-b861e0e121b3","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c922459-b794-4140-aa15-8c95275ad44e","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2e42f6ff-7799-49af-9f9e-e7b277585668","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Set autopay for at least the minimum on every account. One 30-day late can hurt for years. NEXGEN HEADLINES · 4/9

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[{"selector":"#anim-f3c271c7-9e01-473c-aeb2-d6c8af59d8b1","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-87ec6db2-c588-453e-a367-f45a224a3256","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9cfcf308-77db-469d-b7b2-eebce8c46d73","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16df2ed6-eaf9-44d9-9921-13890ecbfee8","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c4b17ec-3b43-441c-925c-a420010521f6","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Keep card balances under 30% of your limits, ideally under 10%. This can improve in a month or two. NEXGEN HEADLINES · 5/9

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[{"selector":"#anim-37b070ac-74ed-4802-957e-1633cc0af0b7","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-eaf3ad41-a639-4874-aa82-1f0475c73e49","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0dda955a-3aa9-4847-845a-a0ea1bca1248","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-787ddd40-06b4-42ef-8d13-57831baed4d4","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6219e2a-f1b1-4324-bf92-27d5ba3a88ac","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Issuers report the statement balance. Pay down before it closes to report a lower number. NEXGEN HEADLINES · 6/9

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[{"selector":"#anim-a71e057d-f59a-4c99-8243-324b814bd01d","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-5ebc58d6-8d87-4b1e-bc02-9032c0f54b3b","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0c394a86-e247-4732-b870-c5ab683a474d","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10b63284-2bf7-4198-b817-dfb9f9fd0a08","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df89f1e7-0b34-40b0-affc-95ed295f1fef","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Old no-fee cards help your credit age and total limit. Use one small autopay charge. NEXGEN HEADLINES · 7/9

08

[{"selector":"#anim-4dadd6cc-a245-444f-97ba-76bb65a64eac","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3415bd79-389a-4d65-a069-a50045f4fc56","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-df14b70f-f59a-428c-9f4f-765466f39d4d","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-37d847ff-7a81-4086-b66b-714fdde666cc","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14927e33-a7b6-4e0f-a245-260e2771880b","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Each hard inquiry can cost a few points. Skip store cards at checkout. NEXGEN HEADLINES · 8/9

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[{"selector":"#anim-1443db2e-522f-4801-84e2-ed66005297ca","keyframes":{"opacity":[0,1]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-d59c3ba5-cc64-4d3b-b019-02a5b9aaa8b7","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":150,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4705f2b6-6d4d-40c4-8a12-8cb0f6dfb4d2","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f166fce3-ec59-4bad-8eb9-3402e17d9b45","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-21259c2a-bcf5-4539-b554-833a25df2c30","keyframes":{"opacity":[0,1]},"delay":650,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] No one can legally remove accurate info. Anything they can do, you can do free. NEXGEN HEADLINES · 9/9

The full credit score guide

[{"selector":"#anim-5fb4dd09-314f-4966-a28a-c72f324e3b5f","keyframes":{"opacity":[1,1]},"delay":200,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-66f93428-606d-4fab-bbe2-d6971a58740c","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":200,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-08629061-d2fe-406b-ab26-14882f68e4f0","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-05c8ab0e-b59e-4419-b339-88778a58db63","keyframes":{"transform":["translate3d(0px, 509.60649%, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ec4c756-662e-46c3-89b2-09795f02a427","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b8ed12c8-2d50-4ba1-9ba7-c2a7eacfbca0","keyframes":{"opacity":[0,1]},"delay":1000,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-d68b6aa1-4e1f-4e21-8e51-be476a4eb3e2","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":1000,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] FREE U.S. GUIDE Myths, timelines, and how to build credit from scratch. READ THE FULL GUIDE → General information, not financial, legal or medical advice. nexgenheadlines.com Read the full guide

RAISE YOUR CREDIT SCORE

01

KNOW THE RECIPE

02

PULL YOUR REPORTS

03

DISPUTE ERRORS

04

TURN ON AUTOPAY

05

LOWER UTILIZATION

06

PAY BEFORE THE STATEMENT

07

KEEP OLD CARDS OPEN

08

LIMIT NEW APPLICATIONS

09

SKIP "CREDIT REPAIR"

The full credit score guide