Credit_NN1 can_VM0 be_VBI confusing_AJ0 ._SENT Having_VHG good_AJ0 credit_NN1 means_VVZ that_CJT you_PNP 're_VBB able_AJ0 to_TO0 borrow_VVI money_NN1 and_CJC access_NN1 low_AJ0 interest_NN1 rates_NN2 for_PRP home_NN1 or_CJC vehicle_NN1 loans_NN2 and_CJC credit_NN1 cards_NN2 ._SENT But_CJC ,_PUN what_DTQ if_CJS you_PNP do_VDB n't_XX0 have_VHI good_AJ0 credit_NN1 ?_SENT 
Many_DT0 Americans_NN2 do_VDB n't_XX0 ._SENT In_PRP 2020_CRD ,_PUN more_AV0 than_CJS 30_CRD percent_NN0 had_VHD a_AT0 credit_NN1 score_NN1 below_PRP 670_CRD ,_PUN which_DTQ is_VBZ defined_VVN as_CJS "_PUQ fair_AJ0 "_PUQ or_CJC "_PUQ poor_AJ0 ,_PUN "_PUQ according_VVG to_PRP credit_NN1 bureau_NN1 Experian_NN1 ._SENT (_PUL Scores_NN2 above_PRP 670_CRD are_VBB considered_VVN "_PUQ good_AJ0 "_PUQ to_PRP "_PUQ exceptional_AJ0 ._SENT "_PUQ )_PUR The_AT0 good_AJ0 replaced-url_NN1 If_CJS you_PNP 've_VHB struggled_VVN with_PRP your_DPS credit_NN1 ,_PUN it_PNP 's_VBZ never_AV0 too_AV0 late_AJ0 to_TO0 do_VDI something_PNI about_PRP it_PNP ._SENT 
"_PUQ Your_DPS credit_NN1 is_VBZ not_XX0 a_AT0 terminal_AJ0 illness_NN1 ,_PUN "_PUQ says_VVZ Katie_NP0 Bossler_NP0 ,_PUN quality_NN1 assurance_NN1 specialist_NN1 at_PRP GreenPath_NP0 Financial_NP0 Wellness_NP0 ._SENT "_PUQ It_PNP 's_VBZ very_AV0 fixable_AJ0 ._SENT "_PUQ 
Many_DT0 people_NN0 feel_VVB shame_NN1 over_PRP their_DPS credit_NN1 ,_PUN she_PNP says_VVZ ,_PUN but_CJC often_AV0 your_DPS credit_NN1 takes_VVZ a_AT0 hit_NN1 because_CJS of_PRF something_PNI outside_PRP your_DPS control_NN1 ,_PUN such_DT0 as_PRP excessive_AJ0 medical_AJ0 bills_NN2 ,_PUN rather_AV0 than_CJS just_AV0 overspending_VVG or_CJC carelessness_NN1 ._SENT Plus_NN1 ,_PUN most_DT0 Americans_NN2 lack_VVB education_NN1 on_PRP how_AVQ to_TO0 manage_VVI their_DPS credit_NN1 ,_PUN Bossler_NP0 adds_VVZ ;_PUN more_AV0 than_CJS 50_CRD percent_NN0 of_PRF millennial_AJ0 women_NN2 said_VVD they_PNP were_VBD never_AV0 taught_VVN how_AVQ to_TO0 manage_VVI credit_NN1 ,_PUN according_VVG to_PRP a_AT0 Credit_NN1 Sesame_NN1 survey_NN1 ._SENT 
"_PUQ But_CJC ,_PUN it_PNP 's_VBZ never_AV0 too_AV0 late_AJ0 to_TO0 learn_VVI it_PNP for_PRP the_AT0 first_ORD time_NN1 —_PUN or_CJC repair_VVB it_PNP ,_PUN "_PUQ she_PNP says_VVZ ._SENT Here_AV0 are_VBB six_CRD ways_NN2 to_TO0 rebuild_VVI your_DPS credit_NN1 ._SENT 
Check_VVB your_DPS credit_NN1 report_NN1 now_AV0 —_PUN and_CJC regularly_AV0 ._SENT 
The_AT0 first_ORD step_NN1 in_PRP rebuilding_VVG your_DPS credit_NN1 is_VBZ to_TO0 pull_VVI your_DPS credit_NN1 report_NN1 and_CJC review_VVB it_PNP ._SENT You_PNP can_VM0 check_VVI your_DPS credit_NN1 report_NN1 for_PRP free_AJ0 every_AT0 12_CRD months_NN2 at_PRP replaced-dns_NN2 ,_PUN which_DTQ is_VBZ authorized_VVN by_PRP federal_AJ0 law_NN1 ._SENT 
Errors_NN2 ,_PUN including_PRP bills_NN2 that_CJT are_VBB n't_XX0 yours_PNP ,_PUN sometimes_AV0 appear_VVB on_PRP the_AT0 report_NN1 ._SENT If_CJS that_DT0 happens_VVZ ,_PUN you_PNP can_VM0 dispute_VVI them_PNP through_PRP the_AT0 credit_NN1 bureaus_NN2 ,_PUN Bossler_NP0 says_VVZ ._SENT Get_VVB into_PRP the_AT0 habit_NN1 of_PRF checking_VVG your_DPS credit_NN1 report_NN1 regularly_AV0 ._SENT 
Pay_VVB your_DPS bills_NN2 on_PRP time_NN1 ._SENT 
Payment_NN1 history_NN1 is_VBZ a_AT0 key_AJ0 factor_NN1 in_PRP your_DPS credit_NN1 score_NN1 ,_PUN which_DTQ accounts_VVZ for_PRP both_AV0 on-time_AJ0 and_CJC late_AJ0 bill_NN1 payments_NN2 ._SENT 
"_PUQ Paying_VVG your_DPS bills_NN2 on_PRP time_NN1 is_VBZ probably_AV0 the_AT0 number_NN1 one_CRD thing_NN1 people_NN0 have_VHB to_TO0 really_AV0 get_VVI used_VVN to_PRP doing_VDG ,_PUN "_PUQ says_VVZ Jake_NP0 Guttman_NP0 ,_PUN founder_NN1 and_CJC CEO_NN1 of_PRF Rosevest_NP0 Financial_NP0 ._SENT "_PUQ It_PNP 's_VBZ a_AT0 really_AV0 important_AJ0 factor_NN1 in_PRP proving_VVG your_DPS worthiness_NN1 to_TO0 borrow_VVI with_PRP credit_NN1 reporting_NN1 agencies_NN2 ._SENT "_PUQ 
When_CJS you_PNP pay_VVB bills_NN2 on_PRP time_NN1 ,_PUN you_PNP build_VVB confidence_NN1 with_PRP lenders_NN2 and_CJC show_VVB that_CJT you_PNP 're_VBB able_AJ0 to_TO0 pay_VVI back_AVP loans_NN2 ,_PUN he_PNP says_VVZ ._SENT 
If_CJS you_PNP 've_VHB missed_VVN payments_NN2 in_PRP the_AT0 past_NN1 ,_PUN do_VDB n't_XX0 worry_VVI ,_PUN just_AV0 start_VVB paying_VVG on_PRP time_NN1 now_AV0 ._SENT Credit_NN1 scores_NN2 focus_VVB more_AV0 on_PRP recent_AJ0 activity_NN1 from_PRP the_AT0 last_ORD 12_CRD to_PRP 24_CRD months_NN2 ,_PUN Bossler_NP0 says_VVZ ._SENT "_PUQ So_AV0 if_CJS you_PNP were_VBD late_AJ0 last_ORD month_NN1 ,_PUN that_DT0 's_VBZ going_VVG to_TO0 hurt_VVI your_DPS score_NN1 more_AV0 than_CJS if_CJS you_PNP were_VBD late_AV0 two_CRD years_NN2 ago_AV0 ,_PUN "_PUQ she_PNP adds_VVZ ._SENT 
