How to Get Your Credit Ready for Your 2023 Goals

Our weekly #CreditChat started in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by @Experian on Twitter and all are welcome to participate. DM us any questions.

Have you set your goals for the new year? If you have set goals like getting your first apartment, buying a house, buying a car or just overall credit improvement, we will give you the tips you need to build or improve your credit score.

Topic: How to Get Your Credit Ready for Your 2023 Goals

When: Wednesday, December 7, 2022 at 3 p.m. ET.

Where: Join the live hashtag discussion

The panel will include: Michelle Lambright Black: Credit Expert and Founder of; Patrina Dixon:Personal Finance Expert and Author,It’$ My Money; Jeanne Kelly: Credit Expert, Identity Theft Expert, Speaker and Founder of; Leslie H. Tayne, Esq: Founder and Managing Director of Tayne Law Group, P.C. (f/k/a The Law Offices of Leslie H. Tayne, P.C.); Beverly Harzog: Credit Card Expert and Consumer Finance Analyst for U.S. News; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian and Christina Roman: Consumer Education and Advocacy Manager at Experian.

Gift Card Giveaway

Enter here for a chance to win a $50 Amazon gift card! We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET. Complete rules here.

Questions we will discuss:

  1. Why is it important to set credit goals in an economic period with increasing costs?
  2. What credit goals can you set now for the New Year? 
  3. Where can you get started when setting your credit goals? 
  4. If your goal is to improve your credit score, what steps can you take now to move the needle forward? 
  5. What are the most important factors in calculating credit scores? 
  6. If your goal is to pay off debt, what are some strategies that can help you? 
  7. If your goal is to build credit, what options are available for someone who is just starting out? 
  8. What should you know if your goal is to prepare your credit for a major purchase? 
  9. What are some mistakes to avoid when building credit?
  10. How can checking your credit reports and scores frequently help you achieve your credit goals?  

Check out our complete list of upcoming personal finance Twitter chats here.