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Year-End Credit Repair Checklist: 5 Things that Take 15 Minutes or Less

December 2nd, 2016 · No Comments · Credit Repair

by Kristy Welsh

(Last Updated On: August 18, 2017)

Year-End Credit Repair Checklist: 5 Things That Take 15 Minutes or LessIf you’re planning on repairing your credit in the New Year, you’ll thank yourself for getting a jumpstart on things today. Sure, December is a busy month, but nothing on this year-end credit repair checklist should take you more than 15 minutes. You’ll feel well ahead of the game come January 1st. Plus, focusing on improving your credit now serves as a good reminder for keeping excess holiday spending in check.

Year-End Credit Repair Checklist

1) Request your free credit reports from

By law, you are entitled to see your credit reports for free every 12 months. So if it’s been more than a year since you’ve requested them, go to Be sure to request them from all three credit reporting bureaus. Learn more about

2) Sign up for free credit monitoring year-round

Once you start the credit repair process, it’s important to keep an eye on how your efforts are affecting your reports and scores. Since you can only see your reports for free through once a year, you’ll need to find another source. You can pay for your reports (and scores) through the credit bureaus and, or you can sign up for free credit monitoring through sites like Credit Karma,, Credit Sesame, and Quizzle.

3) Make an extra payment

If you carry a credit card balance from month to month, paying that down will go a long way toward improving your credit. Because the higher your balances, the more it’s hurting your credit score. Making extra payments here and there is a great way of chipping away at this debt. So instead of spending an extra $10 here or $20 there this holiday season, why not make an extra credit card payment instead?

4) Find out the statute of limitations on debt in your state

If you have collection agencies coming after you for old debt, make sure you’re still legally obligated to pay it. The statute of limitations varies by state, so look into it out before paying them a dime.

5) Check out our guide on DIY credit repair

There is nothing a credit repair company can do for you that you cannot do for yourself. Here’s how.


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