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Repairing, Rebuilding, and Maintaining Credit

It is possible for everyone to take steps to improve their credit. Lenders such as Community Capital New York encourages small business owners and entrepreneurs to utilize credit building and credit repair resources. Community Capital New York will assist anyone in accessing these resources. It is important to be aware of credit repair companies that may charge fees but are unable to deliver on being able to quickly repair or build credit. Consumer Financial Protection Bureau provides resources on how to find reputable credit repair and credit building counselors.

Community Capital New York Partners with Ariva to provide free credit counseling services.

Ariva is a non-profit organization that provides individuals in New York with free credit counseling, financial counseling, and tax planning.
www.ariva.org
(718) 292-2983 | info@ariva.org

Generals Credit Building Tips

  1. Set up automatic payments for at least the minimum payment amount each month.
  2. Consider using Experian Boost to have your credit history include payment activities from places such as your utilities provider and phone carrier.
  3. Reduce existing balances.
  4. Never exceed your credit card limit.
  5. Maintain a variety of credit accounts (mix of revolving and installation debt).
  6. Stay on top of your credit history and file disputes whenever necessary.