If you’re rebuilding credit, the first 30 days matter. This checklist helps you take the right steps in the right order. 30-day checklist 1) Pull your credit reports 2) List all debts + minimum payments 3) Set up payment reminders/autopay 4) Lower credit utilization where possible 5) Dispute obvious errors 6) Avoid new hard inquiries 7) Track your progress monthly Need a personalized plan? Submit the credit counseling form on our website and we’ll review your goals and build