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How to Rebuild Your Credit

Financial recovery April 18, 2026

Rebuild Your Credit

After experiencing a financial setback, there are two ways to rebuild your credit: do it yourself or use a reputable credit counseling agency.

 

To repair your own credit:

  • Order a copy of your credit report.
  • Identify and correct any errors.
  • Contact your creditors to explain your situation.
  • Negotiate payment plans with your creditors when you have some money to pay them.
  • Opt-out of receiving unsolicited offers for credit cards to avoid the temptation of applying for them.

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