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Managing my credit report
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If you're having trouble paying your bills on time, who might be able to help you work out a payment plan?


It's best to always be open and honest with your creditors. They could help you out, and maybe even save you a negative mark on your credit history.

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Key Takeaways

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The best way to maintain a good credit score is to maintain a good credit report. By keeping these things in mind, you could get—and stay—on the right track.

  • Check your credit report for free every year with Equifax, Experian, or TransUnion
  • Contact a credit bureau if you find any mistakes in your report
  • Avoid negative marks on your credit report—they could be there for 7–10 years
  • Remember that a credit score lower than 650 could impact your overall financial health, making it hard to do things like get a loan or a good mortgage interest rate