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Credit Score 101: What You Should and Shouldn’t Do

Establishing or rebuilding your credit can be daunting, but it is essential for a healthy financial future. A good credit score can make getting a loan, renting an apartment, or securing a job easier. However, if you have a low credit score, taking action and improving your credit health is essential. This credit repair course will guide you through the do’s and don’ts of establishing or rebuilding your credit. Let’s begin!

Do’s for Establishing or Rebuilding Credit

1. Obtain a Copy of Your Credit Report

The first step in establishing or rebuilding your credit is to obtain a copy of your credit report. You are entitled to a free copy of your credit report from each of the three major credit bureaus every 12 months. Review your credit report for inaccuracies and dispute any errors with the credit bureaus.

2. Pay Your Bills on Time

Your payment history is the most crucial factor in determining your credit score. Make it a priority to pay all your bills on time, including rent, utilities, and credit card payments. Late or missed payments can have a negative impact on your credit score.

3. Start with a Secured Credit Card

A secured credit card can be an excellent option if you have no credit history or are trying to rebuild your credit. Secured credit cards require a cash deposit that serves as collateral. The deposit amount usually determines your credit limit. By using your secured card responsibly and making payments on time, you can establish or improve your credit score.

4. Keep Your Credit Utilization Low

Credit utilization is the percentage of your available credit that you are using. Aim to keep your credit utilization below 30%. This means that if you have a credit limit of $1,000, you should not have a balance of more than $300. Keeping your credit utilization low shows lenders that you are responsible with your credit and can help improve your credit score.

Don’ts for Establishing or Rebuilding Credit

1. Don’t Apply for Too Much Credit at Once

While applying for multiple credit cards or loans may be tempting, it can negatively impact your credit score. Each time you apply for credit, a hard inquiry is placed on your credit report, which can lower your score. Limit your applications and focus on building your credit with your current accounts.

2. Don’t Close Old Accounts

Closing old credit card accounts can hurt your credit score by reducing your overall available credit and length of credit history. Keep your oldest accounts open, even if you don’t use them frequently, to maintain a longer credit history and lower credit utilization.

3. Don’t Max Out Your Credit Cards

Maxing out your credit cards can lead to high credit utilization, damaging your credit score. Aim to keep your credit card balances low and pay off your balances in full each month when possible.

4. Don’t Fall for Credit Repair Scams

Beware of companies that claim they can quickly repair your credit for a fee. Legitimate credit repair takes time and effort, and no one can guarantee a specific outcome. Stick to the do’s outlined in this credit repair course and be patient – your credit score will improve over time.


Establishing or rebuilding your credit is a crucial aspect of financial health. By following the do’s and don’ts in this credit repair course, you can take control of your credit and work towards a better financial future. Remember, responsible financial habits and patience are key to improving your credit score.

The Credit Repair Blueprint has built an extensive library of educational blogs to help you in your credit repair journey. But why stop there? Our credit repair course is designed to guide you step-by-step on how to fix and repair your credit for life. Join our credit repair course now and start your journey toward a better credit score! 

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