Clean-up-credit-history

Setting up Auto-Pay for at least the minimum payment on all accounts is the best way to prevent new "stains" on your credit, as even one late payment can drop your score by over 60 points.

You can’t fix what you can’t see. By law, you’re entitled to a free credit report from each of the three major bureaus—, TransUnion , and Equifax —every 12 months at AnnualCreditReport.com . clean-up-credit-history

If you find a mistake, you have the right to dispute it. Credit bureaus must investigate and remove items they can't verify. Setting up Auto-Pay for at least the minimum

If your history is thin or badly damaged, you need to "overwrite" the bad with the good. clean-up-credit-history