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See the Affirmations to Improve My Credit Worksheet >>

Perhaps you’ve had a chance to review your credit report and FICO score by now. Are you getting ideas on how you can better control your finances so you can improve your credit score?

Improving your credit score is hard work because you have to change your financial behavior—the way you spend your money. Congratulate yourself for any change you made in your financial behavior that will help you improve your credit score.

As you make progress, protect your hard work by staying focused. Continue to read out loud every day your financial goals and affirmations to improve your credit.

Julian is becoming more and more interested in knowing about his credit. He’s even expressed a desire to change his spending habits. There is so much to know, though, and he’s feeling a little overwhelmed. Set up a chart for Julian to remind him what types of behavior affects credit scores the most. Behavior Rank Pay bills on time 1 Keep low balances or none at all 2 Keep accounts open for a long time 3 Limit the number of “hard” inquiries to just the credit needed 4 Use a combination of credit (credit cards and installment loans) 5 In the ranking at right, 1 is the most important and 5 the least.