Improving a credit record is a process, not a promised number of points by a deadline. Begin with your current reports and the payments you already owe.

Understand your starting point

Review your reports for accuracy. The CFPB’s credit-report resources explain how to get reports and what to do about errors. A score and a report are different, and you may see different scores from different providers.

Organize existing obligations

Keep a calendar of due dates, review statements, and make a realistic plan for outstanding balances. The CFPB’s guidance on improving a score discusses timely payments and managing credit use. If you cannot make a payment, contact the provider to discuss the situation.

Avoid promises of a quick fix

Do not take on a new payment solely because someone promises it will raise a score. Credit reporting and scoring depend on multiple factors. An Okinus lease-purchase agreement is not a credit-repair product or a guarantee of score improvement.

Use our credit-repair resource to learn about errors and misleading promises.