Credit Repair. Credit Building. Credit Education.

New Year, Better Credit:

5 Financial Tips to Get a Fresh Start on Your Credit

Happy Young Family with Ghosted House Drawing, Partial Photo and Rolling Green Hills Behind.

Set a Resolution

Before the new year begins, it’s important to identify where you are at, and where you would like to be this same time next year. Do you want to be in a home of your own? Eliminate credit card debt? Restore your life with a better credit score?

Before you conquer your new year, identify your goal and envision your conquest. Anything is possible, but the first step in taking charge of a new change is identifying your journey at hand.

Check Your Credit Report

You’re entitled to one free copy of your credit report from all three credit bureaus every 12 months. A large percentage of Americans do not check their credit reports every year - it is important to know exactly what is being reported since 1 in every 5 Americans has at least one significant error on their credit score. Such errors can mean the difference in qualifying for a mortgage loan or even getting a job promotion.

Take charge of your new year by knowing where you stand credit-wise. If you plan to purchase a home for the following year, know where you stand before taking your first step.


If you’re on your way to achieving your new year’s goal of a house of being debt free, setting a budget is of the utmost importance. Knowing how much you make, and where your money is going, will tell you where you need to adjust, cut-back, or allocate funds as deemed necessary.

The first step in taking charge of your financial wellness is knowing you healthy your spending habits are.

Increase savings

If you plan on purchasing a home for the upcoming year, having money for a down payment, closing costs, and the expenses of moving in general will cost money. After evaluating your budget, we always recommend to allocate at least 10% of your earnings into a savings account.

If you’re making $3,000 a month, 10% of that would be $300 dollars. Almost everybody can save at least 10% of their earnings into a savings account - but not many like to put in the effort to do so. If you’re making $3,000 a month, and spending $3,000 a month, guess what, you’re broke.

Get the goal

Once you set a goal, know where you stand on your credit, and knowing how healthy your financial situation is, you are well on your way to achieving the financial success you seek for the new year. It is just a matter of consistency and perseverance. Overcoming a bad credit score is absolutely attainable. You’ve already set your sights on your goal - now go and achieve them.


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