Repairing Credit

Repairing Credit

Credit missteps happen—but with patience and the right strategy, you can bounce back stronger. Whether you’re recovering from missed payments, high balances, or past-due accounts, rebuilding your credit is entirely possible—and worth it.

What You Need to Know

  • Negative credit information generally stays on your report for up to 7 years
  • There are no overnight fixes, but small, consistent steps make a big difference
  • Rebuilding your credit can lead to better loan terms, lower rates, and greater financial freedom

Steps to Rebuild Your Credit

Pay Bills on Time

Your payment history is the most important part of your credit score. Even one late payment can have a big impact—so staying current is key to rebuilding.

Catch Up on Past-Due Accounts

Bring accounts up to date to prevent further damage. Changing a status from “delinquent” to “paid” can help stabilize your score.

Lower Your Credit Utilization

  • Keep balances below 30% of your credit limit
  • Pay more than the minimum due when possible
  • Avoid closing unused cards, which could reduce your available credit
  • Only apply for new credit when necessary

Explore the “Get Out of Debt” Coach Session

Rebuilding often starts with managing your debt effectively. In this interactive Best Life Wellness Coach session, you’ll receive step-by-step guidance to evaluate your situation and build a custom payoff plan—using methods like the debt snowball or avalanche.

In this session, you’ll:

  • Learn how to prioritize and manage your debt
  • Enter details about balances, minimum payments, and interest rates
  • Receive a personalized strategy based on your situation

Launch the “Get Out of Debt” Coach

When to Get Help: GreenPath Can Guide You

GreenPath Financial Wellness Logo | GP Partners

If you’re feeling overwhelmed or unsure where to start, USSFCU members have free access to expert credit counseling through GreenPath Financial Wellness.

What GreenPath Can Help You Do:

  • Review and interpret your credit report – Identify what’s helping or hurting
  • Create a personalized action plan – Work with a certified counselor to pay down debt and stay current
  • Set up a Debt Management Plan (DMP) – Consolidate payments and potentially reduce interest rates
  • Get ongoing education and support – Tools and guidance for lasting financial wellness

Call 1.877.337.3399 or visit www.GreenPath.com/ussfcu to connect with a counselor today.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. We do not endorse or guarantee the accuracy of third-party information.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

Read More testimonials.