How to rebuild your credit score

Rebuilding is not one move. It is a sequence: make the report accurate, stop the bleeding, then rebuild positive history that outweighs the old damage.

Quick takeaways

Accuracy, then stability, then new positive history.
Automate minimums so nothing new goes late.
Expect movement in months, not days.

Phase 1: accuracy

Pull all three reports and challenge everything inaccurate or unverifiable. There is no point rebuilding on top of data that is wrong.

Phase 2: stability

Get every open account current and automate minimums so nothing else goes late. Bring revolving balances under 30%, then under 10% if you can.

Phase 3: positive history

Keep one or two accounts active and perfectly paid. A secured card works fine. Then hold the pattern — most people see meaningful movement in three to six reporting cycles, and steady gains after that.

Want someone to look at your actual reports?

Start the free intake and a Knox specialist will walk your file with you — what can be challenged, what should stay, and what to do next. No cost, no obligation.