Setting up Auto-Pay for at least the minimum payment on all accounts is the best way to prevent new "stains" on your credit, as even one late payment can drop your score by over 60 points.
You can’t fix what you can’t see. By law, you’re entitled to a free credit report from each of the three major bureaus—, TransUnion , and Equifax —every 12 months at AnnualCreditReport.com . clean-up-credit-history
Cleaning up your credit history is essentially a two-part mission: scrubbing away and strategically managing your current debt to boost your score. It’s a marathon, not a sprint, but you can see meaningful changes within a few months by being systematic. 1. Audit Your Reports (For Free) Setting up Auto-Pay for at least the minimum
