- Check own score once a year via related site or accountant.
- For credit decreased due to bankruptcy or other reasons, make sure to have credit repaired through normal process, no matter how time consuming, and do not be allured by an advertisement scam of ‘full credit repair.’

- Request your credit reports to 3 major credit reporting companies with credit records, Experian, Equifax, and Trans Union.
- Check the credit reports thoroughly, once received, if the payoff and payment records are reflected accurately.
- Write a letter for inaccurate record, if any, to respective major credit reporting companies with a copy of the report. You can contact via phone or email, which also requires the preparation of documents.