So what if the first of the year has already come and gone? It’s never too late to establish yearly money goals for yourself. If your credit score needs work (or if you’ve been denied credit), there’s no time like the present to raise your personal FICO score.

Obviously, you’re not going to improve a low score in only a few days, but credit repair is easier than you might think. If you’re tired of getting turned down for credit and you’re ready to improve your score and qualify for mortgages, auto loans, and better interest rates, here are seven easy ways to get back in the game this year.

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