How to Rebuild Damaged Credit
2 Min. Read
If you have damaged credit, you’re not alone. Many people face challenges with their credit scores due to inexperience or financial setbacks. While negative marks on your credit report can linger for many years, it’s important to know that you’re not condemned to a life with low credit. With positive behavior changes, time, and commitment, you can rebuild your credit and improve your financial future.
Need Help Rebuilding Credit? Here’s Where to Turn
Millions of people are working to get back on track and restore their credit. If you need help, you’re not alone.
When you’re looking for reliable information on improving your credit, you might feel like you’re bombarded with information. Who can you trust? There are many reputable, free resources out there.
- Your current bank or credit union.
- Government entities like the Consumer Financial Protection Bureau (CFPB).
- Non-profits like Next Gen Personal Finance (NGPF).
- AnnualCreditReport.com, a free site that you can use to access your credit report and look up your credit score.
- Credit counseling agencies like GreenPath, which offers free consultations.
- Nerd Wallet offers free information on personal finance topics.
Remember, you shouldn’t have to pay to rebuild your credit or get information on how to manage debt. Beware of companies that claim they can repair your credit fast. These are often scams. Instead, seek out a financial counselor who can help you understand your financial goals and the steps to get there.
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Jennifer Tucker
Jennifer Tucker is a freelance writer for Marine Credit Union. She has held roles in banking, marketing, and public relations during her 15+ year career. She holds a bachelor’s degree in communication with a minor in journalism from the University of Portland and a master’s degree in communication from Marquette University.
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