A checklist of things to review when you want to improve your credit: your reports, errors to dispute, payments, balances and new credit.

What this tool does

A checklist of things to review when you want to improve your credit: your reports, errors to dispute, payments, balances and new credit.

How to use

Work down the list and tick each item as you finish it.
Ticks are saved on this device, in your browser, so they are still there when you come back.

The list has 3 groups and 7 items.

Check your records (2 items): Get your credit reports from the agencies in your country and verify your identity details; Dispute errors through the process the agency provides
Everyday habits (3 items): Check whether automatic payments would help you pay every account on time; Ask your lender or a credit counsellor what balance level to aim for on revolving accounts; Ask how a new credit application would affect your file before you apply
Managing accounts (2 items): Ask how closing an old account would affect your file before you close it; Ask your lender whether a credit limit increase would involve a hard credit check

Tip: Credit rules differ by country, so check what applies where you live. Ticks are saved on this device.

This is not financial or legal advice. It gives no target scores, balances or timelines.
It does not connect to any credit agency or account.
Ticks are saved only in this browser on this device.

Q: Will this raise my credit score?: A: This page cannot promise that. It is a list of items to review. It does not read your credit file or calculate a score.
Q: Does it apply in my country?: A: Credit reporting differs from country to country. The list is general, so check how it works where you live.
Q: Are my ticks saved?: A: Yes, in your browser on this device. They are not sent anywhere and do not follow you to another device or browser.

Explore more tools like this one:

Asking for a Raise - Asking for a Raise - track your progress with this...
Changing Your Name - A checklist of the places to update after a legal name...
Credit Card Calculator - Calculate payoff time, interest costs, and compare...
Credit Card Interest Calculator - Calculate interest charges on a credit card balance.
Credit Card Minimum Payment Trap Visualizer - Shows how long minimum payments take to pay off credit...