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Make a Plan

No matter what your credit and debt goals are, your plan begins where you are right now.

Use the SAM action steps to analyze your current credit and debt situation and take purposeful steps toward identifying or making changes.

SAM plan


  • What does your current debt situation look like? Do you have a good plan for using credit?
  • What is your credit score? Is there anything in your credit report that needs to be corrected?
  • Set intentional goals such as improving your credit score or lowering your debt-to-income ratio.
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