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Understanding your credit score and improving your financial health

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Learn more about your credit score, steps on how to improve your credit, dealing with credit report errors, overcoming financial hardships and more.

Reporting requirements & credit report errors

Financial institutions are required to report complete and accurate credit history, and that’s why we’re not able to honor requests for goodwill adjustments .

If you have reviewed your credit report and believe it contains errors, you have the right to dispute inaccuracies with the credit reporting agencies (Equifax, Experian, TransUnion). If errors relate to accounts you have with us, you may also contact us directly using the numbers below.

We’re here to help


Home loans
Call 800.720.3758
Mon–Fri 8 a.m.–11 p.m. ET
Sat–Sun 9 a.m.–8 p.m. ET
Visit our home loan assistance page


Credit cards and other loans
Call 866.635.4314
Mon–Fri 8 a.m.–10 p.m. ET
Sat 8 a.m.–5 p.m. ET
Visit our credit card assistance page

Understand your credit

It’s important to understand your credit score and how it's calculated to set yourself up for financial success.

You are able to request to view your annual credit report layer every 12 months. Bank of America card clients can view their FICO score for free.

Take steps to improve your credit

The best way to address negative credit history is to rebuild your credit by establishing a solid history of on-time payments. Find the tools you need, no matter where you are in your journey with Life Plan.

If you are having difficulty paying down your debts, you may want to reach out to your creditors to discuss any options that may be available. Here’s what you need to know to start negotiating with creditors.

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    • Credit bureaus and Requesting a free copy of your credit report

    Under federal law you are entitled to a free copy of your credit report from each of the credit reporting agencies - Experian®, Equifax® and TransUnion® - once every 12 months. AnnualCreditReport.com layer offers a single source for official free credit reporting requests, educational material about credit reporting and methods to protect your identity.

    Credit bureauSend your dispute letter to:Or call (make sure you have a copy
    of your report with you):
    Experian layerPO Box 2104, Allen, TX 75013888.397.3742
    Equifax layerPO Box 740241, Atlanta, GA 30374800.465.7166
    TransUnion layerPO Box 2000, Chester, PA 19022800.916.8800

    goodwill adjustments

    A goodwill credit adjustment is a request to remove valid delinquencies or otherwise negative payment history from a credit report