Credit Clean Up

Jun 17, 2021Paying Off Debt

Spring is in the air and you know what that means! Clean up, clean up, everybody everywhere….Time to reset, refresh, and get to that project that has been calling your name all winter long. We often think about projects around the home, but what about your financial wellbeing, and furthermore your credit. No matter where you are in your credit journey, there is always work to be done. Let’s get that credit neat and tidy!

Here are 3 steps to Spring Clean your credit.

  1. Roll up your sleeves and get your hands on your credit report. The first thing you want to do is gain access to your current credit report. There are many ways that you can do this. Some websites will charge for this service but there is no need to spend a penny. Every year, you are entitled to one free credit report from each one of the major credit bureaus. Visit to check your report for free. Stagger pulling each report from the three different credit bureaus over the year so that you can see what’s going on in your credit report every few months. Doing so can help you spot potential fraud or ID theft sooner than later.


  2. Use a credit-monitoring tool. What about your credit score? By using a credit-monitoring tool, not only will you have access to your credit report, but you will also have an idea of what your credit score is. In fact, HAPO provides free access to SavvyMoney, a credit monitoring tool, free for all members. This is a great credit monitoring tool that allows you to view your open and closed credit lines, collections, public records, inquiries and personal details such as names and addresses used in the past. SavvyMoney also has a built in Credit Simulator to help assess where your credit score could be if you were to pay off a credit card, close an account or get a new loan.  What a great way to help you fine-tune that score to where you want it to be!


  3. No need to fear, help is here. Are you feeling a little lost, or maybe really lost?  Connect with a HAPO Financial Coach to help guide you on your credit journey! Our Financial Coaches are certified and have the knowledge and tools that best fit your style.  Whether you are establishing, rebuilding or boosting your credit, our Financial Coaches can come up with a game plan that is unique to you. We got your back! 

Now it’s time to get to work with the help of your favorite HAPO Financial Coach! No matter how big or small the task, we are here to make it happen!

Speak with a Coach

Kandy Bowlsby

Kandy Bowlsby

Financial Education Manager | HAPO Community Credit Union



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