Building & Maintaining Credit

Graphic illustration of a clip board with the silhouette of a credit card in the top left corner and a silhouette of a person figure at the bottom right hand corner.

Extension has great tools to help build and maintain your credit and manage your credit score. Many people use the terms “credit report” and “credit score” interchangeably, but they are not the same. Your credit report is a detailed account of your credit history, while your credit score is a three-digit number showing your creditworthiness. Extension also provides tips and tools to monitor your credit report for errors, fraud, and identity theft. The Fair Credit Reporting Act allows individuals to receive a Free Credit Report, from each credit bureau, every 12 months at the individual’s request. Set reminders to check your credit report FREE up to three times each year!

Free Credit Report CampaignGraphic illustration of a calendar with the following dates highlighted: 2/2, 6/6, 10/10

Check Your Credit Worksheet Graphic illustration of a box with a check mark in it.

Annual Credit Report WebsiteGraphic illustration of two credit cards.

Read a Sample Credit ReportGraphic illustration of a clip board holding a report with a large check mark on it.

To learn more about the Extension’s Free Credit Report Campaign and additional credit resources, please contact Washington County Extension’s Human Development & Relationships Educator, Carol Bralich at  262-335-4477 or carol.bralich@wisc.edu

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