What Happens After Credit Repair? Your Next Steps

Your credit has improved — congratulations. Now what? Here is exactly what to do to protect your new score and build toward your financial goals.

Protect Your Improved Score

Set up autopay. The number one way people damage their score is a missed payment. Set up autopay for at least the minimum on every account.

Monitor monthly. Check your credit reports regularly. Errors can reappear and new negative items can pop up. Set up credit monitoring to be alerted of any changes.

Keep utilization low. The work done during credit repair needs to be maintained. Keep cards under 30% — ideally under 10%.

Build on Your Foundation

Add a credit builder loan. An installment loan from Self.inc adds payment history and diversifies your credit mix.

Request credit limit increases. After 6-12 months of good behavior, call your credit card issuers and request higher limits. This lowers utilization without changing spending.

Add rent reporting. If you have not already, services like RentReporters can add your rental history to your report.

Use Your Better Credit

Refinance high-interest debt. If you had auto loans, personal loans, or credit cards at high rates before credit repair, refinance them now at better rates.

Apply for your mortgage. If homeownership was your goal, now is the time. Check out CreditGM's guide to credit scores for home buying.

CreditGM is here not just for credit repair but for your long-term financial success. Reach out anytime if you have questions or need guidance on your next steps.