This toolkit is for people with disabilities who are working to build credit and/or manage debt. Learn the basics of credit building and debt management, get tips and resources, and get concrete steps you can take to build your credit.

Toolkit Overview

Who We Are

Credit Scores, Explained

Credit Reports, Explained

Freezing Credit: When, Why, and How

What To Do if You Have No Credit

What To Do if You Have Bad Credit

What To Do if You Can’t Afford Your Debt Payments

Dealing with Inaccurate Accounts

Dealing with Past Due Accounts

Dealing with Charge Off Accounts

Dealing with Debt Collectors

Dealing with Collections Accounts

Dealing with Medical Debt

Dealing with Identity Theft

Building Credit with New Accounts

Building Credit with Credit Cards

Wrap Up