Build + protect
Correcting errors is only one part of stronger credit.
Use accurate reports, on-time payments, manageable balances, thoughtful applications, and identity safeguards together. CRAD does not sell a tradeline or steer you into a financial product.
Private planning tool
See how reported balances compare with limits.
These numbers stay in this browser and are not saved. A lower reported revolving balance can help utilization, but no percentage guarantees a score result.
Protect payment history
Use automatic minimum payments or reminders, then pay more when possible. Confirm the due date and bank processing time instead of relying on memory.
Manage reported utilization
Balances are commonly reported around statement closing dates. Paying before the statement closes can change what is reported even when the due date is later.
Add positive history carefully
Compare fees, interest, reporting practices, cancellation terms, and whether all three bureaus receive data. Never open an account solely because someone promises a score jump.
Protect identity
A freeze can restrict access to your file until you lift it. It is different from monitoring, which alerts you after activity appears.
Official tools