Completing debt review is a major achievement, but it’s just the beginning of your
financial recovery. Rebuilding your credit score takes patience, discipline and good
habits.

Step 1: Get Your Credit Report

Obtain your credit report from all major bureaus and make sure your debt review
status is correctly removed once you’ve received your clearance certificate.

Step 2: Start Small

Use a secured credit card or small retail account to begin rebuilding your payment
history.

Step 3: Pay on Time, Every Time

Consistency is key. Set up debit orders or reminders to avoid missing payments.

Step 4: Keep Credit Balances Low

Try not to use more than 30% of your available credit limit. This shows financial
responsibility.

Step 5: Avoid Too Many Applications

Each credit application leaves a footprint on your report. Space them out and apply
only when necessary.

Step 6: Stay Budget Conscious

Track expenses and maintain an emergency fund to prevent future debt.

Conclusion

Your credit score won’t bounce back overnight, but with steady effort, it will improve.
The goal is not just to qualify for new credit, but to maintain financial freedom for life.