Improving my credit score

Your credit score is an important part of your personal financial information.  With a higher score, you benefit from loans with lower interest rates and fees.  The lower your credit score, the more you pay to borrow money for things like a home or a car.  Following find tools and resources to help you learn more about your credit score and take steps to raise it:

American Consumer Credit Counseling

Massachusetts

http://www.consumercredit.com/

American Consumer Credit Counseling (ACCC) is a non-profit organization located in Newton, Massachusetts, offering confidential credit counseling, debt management, bankruptcy counseling, and housing counseling.

AnnualCreditReport.com

Tool

https://www.annualcreditreport.com/cra/index.jsp

This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Bank Rate

Resource and Tool

http://www.bankrate.com/credit-cards.aspx

Bank Rate is a website that offers a comprehensive list of articles, calculators, and other tools on a variety of consumer finance issues.

National Foundation for Credit Counseling

Resource and Tool

http://nfcc.org/

As the nation's largest financial counseling organization, the National Foundation for Credit Counseling Member Agency Network includes more than 700 community-based offices located in all 50 states and Puerto Rico. NFCC Member Agencies provide financial counseling and education to millions of consumers each year in person, over the phone, or online.

The Federal Trade Commission

Resource

 http://www.consumer.ftc.gov/topics/credit-and-loans

The Federal Trade Commission's Consumer Information webpage offers information on credit and loans including getting credit, credit reports, credit and debit cards, and loans.

Credit Card Offers with Free Access to Your Credit Score

Resource

https://www.consumerfinance.gov/about-us/blog/check-our-new-list-see-if-your-credit-card-offers-you-free-access-one-your-credit-scores/

The Consumer Financial Protection Bureau (CFPB) compiled a list of of several companies that told the CFPB they offer existing credit card customers free access to one of their credit scores. Until recently, consumers couldn’t easily access their credit scores and often had to pay to get them. But over the last few years, many credit card and other companies have begun to offer consumers free access to their credit scores. It's an important tool to help consumers manage their financial lives.

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