In part 1 of the 10 steps to build your credit, I will discuss the importance of reviewing your credit on an annual basis, preferably going into a new year. This will ensure you are aware of what is being reported and prepared to act on any errors that may exist. It will be important to have this information in order to assist in building a Plan to Spend to pay down and off your debt in the proper order. This credit report looks at past behaviors, but your Plan to Spend is intended to look forward and assist in improving your decision-making.