How do you rebuild your credit

How do you rebuild your credit
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Looking to rebuild my credit


Hi there and welcome to the NerdWallet Community!:wave:

It’s great that you’re looking to rebuild your credit. This resource has some great information you may find useful.

Can you share some details about your current situation? For example, do you currently have any open, active credit cards? Do you have a lot of debt? Also, what are your goals? Are you looking to buy a car, shop for a mortgage? Knowing this may help you get some more tailored responses. :slightly_smiling_face:


Hey Cori.I don’t have a lot of debt.I have four credit cards.I am working hard to get my scores up with Trabuco and equifax.Everything I do doesn’t seem to get it up Can you help me?


Hi, @kendra.jahseh2030! We’re glad you’re here and being proactive about your credit.

It’s great that you have credit cards, because those are important tools in rebuilding. You’ll want to keep them active, which means making a small charge on them about every month or so, and then paying the balance off in full every month. We advise people not to use more than about 30 percent of the available credit on the card–less than that is even better.

If you’re already over that point and can’t pay them off in full right now, everything you do to pay them down will help. Another thing to check into: credit builder loans, which help you build savings while adding another type of credit–an installment loan–to your credit reports. Having both revolving credit (credit cards) and loans can help you rebuild a little faster.

When you’re rebuilding credit, it’s also important to look at your credit reports, not just your scores, because some reports have serious errors on them that could be holding you back. You can get all three reports once a year at

Other than that, rebuilding credit just takes time. We’re happy to answer any questions you have about the process and to help cheer you to victory, so please let us know how it’s going.