Are you ready for a reset on 2020? You aren’t alone.  If this year wasn’t the kindest to your credit, there are plenty of steps you can take to get it back on the right track.  Check out a few tips to improve your credit you might want to tackle in 2021.  Stay in tune with your credit report and credit score  The first step you can take to begin proactively managing your credit? Regularly checking your credit reports and credit scores.  A quick refresher: There are three primary credit reporting agencies (CRAs) — Experian, TransUnion, and Equifax. Each CRA collects information from lenders and creditors — otherwise known as data furnishers — to add to your credit report. Data

Have you been rejected for new credit or denied the best rates because of negative marks on your credit report? Then it might be time to consider repairing your credit.  Credit repair might seem complicated, but it’s actually a very broad term. Basically, anything you do — or someone else does on your behalf — to improve your credit is considered credit repair. This could include a variety of actions, like paying down debt or disputing inaccurate information on your credit report.  The truth is, whatever needs to be done to repair your credit, you are able to do on your own. If you need to clear up mistakes on your credit report, for instance, you can contact the Credit

Any action you take to improve your credit can be called credit repair. Find and dispute an error on one of your credit reports? You’re working on credit repair. Learn ways to get better credit scores, including old habits to break? You’re working on credit repair.  It doesn’t matter if you’re doing this yourself or if you’re paying a company to do it for you — working to improve your credit is credit repair.

What kind of impact can credit repair actually have on your credit? Read on for a breakdown of what credit repair is and the positive and negative ways it can affect your credit.

Interested in trying Upturn but aren’t sure how to use the tool? Here’s a handy guide to help.

If you’re thinking a new car or house might be in your sights in the next few years, the time to start working on your credit is now. And it’s something you can do yourself. Click here to learn everything you need to know about how to fix your credit on your own.