Caleb Pierre · FreeCreditBot tools · Academy · Learn · Course · My workspace

Course · Path 3 of 4

Rebuild Your Score

A calm, ordered plan from wherever your score is today.

0 of 8 steps done · about 80 minutes of work, at your pace · · Saved only on this device

  1. READ · ~12 minFrom 500 to 750: the guided journeyThe long view: what moves a score and in what order.Open this step →
  2. READ · ~5 minFind your score bandWhat your number means to lenders and what to do next.Open this step →
  3. DO · ~10 minMap your total utilizationAll cards together tell the real story.Open this step →
  4. DO · ~15 minBuild a payoff strategyOrder your paydown for the biggest score effect per dollar.Open this step →
  5. READ · ~8 minSecured cards, compared honestlyA tool for adding positive history when approvals are hard.Open this step →
  6. DO · ~10 minPlan your balance allocationWhere each dollar of payment does the most good.Open this step →
  7. READ · ~5 minHow long rebuilding really takesPositive accounts age in; negatives age off.Open this step →
  8. CHECK · ~15 minWork the 90-day rebuild checklistThree months of ordered steps, saved on your device.Open this step →