Improve Credit Score

What is the first thing I should do to improve my credit score?

Question: I really want to improve my credit score! I am not sure where to start, what is the first thing that I should do?

Russell R. in Pasadena, CA

Answer: You can start improving your credit score by first reviewing your current credit report for accuracy.


Hi Russell,

The first thing you will want to do is be sure that your credit history is correct and accurate. It is important to start here so that when you begin working on increasing your credit score, you have a clear picture of where you are and can draw the appropriate conclusions about what you need to do to get where you want to be. You can go to to receive a free copy of your credit report. Analyze the information presented carefully and be sure to dispute any inaccurate information that you may find.

When you’re reviewing your credit report you’ll want to be sure you recognize the information it contains. Are the names listed on the report yours? Do you recognize the addresses? How about the creditors listed on the report? Do you or have you had an account with them?

According to a report provided by the FTC, all the way back in 2013 (so forgive me if the data has changed since then), at least five percent of all consumers had errors on one or more of the three major credit reports that could result in them receiving less than favorable terms for loans.

I recommend ensuring your credit history is accurate when starting to work on your credit score, but of course, it doesn’t end there! You can find more helpful tips here: How to Improve Your Credit Score

Do give us a call if you have any further questions! You can reach us at 1-(800) 432-0310.

Best of luck as you begin the journey of improving your credit score! It will be well worth it.


Todd Christensen

Education Manager and Facilitator of the Money Fit Academy

About the Author

Scroll to Top