Everyone makes mistakes but when it comes to your credit, even the smallest missteps can be expensive. The victim? Your credit score.

A credit score is a 3-digit representation of your overall creditworthiness. Although we don’t believe anyone should be reduced to a number, most lenders don’t see it this way. As you already know, having a good credit score is incredibly important, especially if you plan to apply for a loan – after all, your score can determine what rates you are qualified to receive.

But the good news is that even if you don’t have a great credit score, there are steps you can take to mitigate some of your bad credit history. You might not be able to change the past, but you can surely create a new future. New Era Debt Solutions shares a couple ways you can repair your credit score:

Have your finances been rocked by COVID-19? If your credit card balances have ballooned and your payments have become unmanageable, New Era Debt Solutions offers help.

It is the most wonderful time of the year! This month gifts were given, memories were made, and oh my – so much money was spent. It is unfortunately much too easy to get wrapped up in holiday spending. On average, Americans racked up more than $1,000 each in holiday debt at the end of last year. On top of that, 28 percent of shoppers went into the season still paying off debt from 2017′s festivities.

Black Friday marks the start of the largest shopping season of the year. Last year Americans spent $9.9 billion online shopping over the two-day span of Thanksgiving Day and Black Friday, a 19.7% increase over the previous year. According to a consumer survey, people plan to spend an average of $502 on Black Friday this year.