To improve your credit scores, you need to keep using credit and making good decisions. If you don’t, your history freezes where it is and won’t show any progress. The best way to improve it is to start building positive credit habits now. With a bit of work and time, you can get your credit back on track.
If you are going through a major life event that you are worried might affect your credit, do not wait. Act now to get help and advice. With the right actions, you can often minimize or completely avoid the damage to your credit history. Learn more about how to handle a debt crisis >
Secured Credit cards give you the convenience of paying with a credit card. That’s really nice to have when you don’t want to carry cash, you want to make a purchase by phone, online or you have a minor emergency.
Also a secured credit card can help you build positive credit history when it’s well managed. Secured credit card usage activities are reported to the credit bureaus — the companies that calculate credit scores. Over time, positive activities like paying on time and staying within your credit limit (while responsibly managing all of your other finances) can help improve your credit score. That’s something you don’t get with other payment tools like debit or prepaid cards.
Jill had some credit trouble in the past, and now she's ready to start improving it.
Follow these guidelines and use your credit responsibly, and you’ll be on the path to good credit.
For more about building and managing your credit, visit our Smarter CreditTM Center.
Make an appointment with a Wells Fargo Banker
Talk it over in person to find the right solution for you. >
You are leaving the Wells Fargo website
You are leaving the Wells Fargo website and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
