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Build and Repair Your Credit
Updated 9/29/2026
FinanceEN287.1 KB
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What you'll learn
- Understand why credit matters for renting and eventual homeownership
- Know the five factors that determine a credit score and the report-vs-score distinction
- Access free credit reports safely and check for errors
- Build U.S. credit using an ITIN with secured cards and credit-builder loans
- Connect with free nonprofit financial counselors in the Twin Cities
About
A practical guide for Twin Cities immigrants on understanding U.S. credit, building a score with an ITIN, and creating a personal improvement plan.
What's inside· 26 lessons
- 1Free Local Help in the Twin Cities
- 2Free Local Help in the Twin Cities
- 3Getting Your Free Credit Reports
- 4Understanding Your Credit Score
- 5Free Local Help in the Twin Cities
- 6Create Your Credit Improvement Plan
- 7What a Strong Credit Improvement Plan Includes
- 8Why Credit Matters for Immigrants
- 9Getting Your Free Credit Reports
- 10Free Local Help in the Twin Cities
- 11Building Credit as a Newcomer
- 12Knowledge Check
- 13Getting Your Free Credit Reports
- 14Ask a Credit Question
- 15Free Local Help in the Twin Cities
- 16Free Local Help in the Twin Cities
- 17Building Credit as a Newcomer
- 18Knowledge Check
- 19Build and Repair Your Credit
- 20Understanding Your Credit Score
- 21Understanding Your Credit Score
- 22Getting Your Free Credit Reports
- 23Building Credit as a Newcomer
- 24Ask a Credit Question
- 25Create Your Credit Improvement Plan
- 26Credit Utilization Calculator
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