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Manage credit and debt

Take charge of your financial health

Managing debt and building healthy credit can feel overwhelming — but you’re not alone. Whether you're just starting out or looking to regain control, here are practical steps you can take right now to move toward financial confidence.

Get a clear view of your finances
  • Know your credit score — it’s a key part of your financial health. Wells Fargo customers can enroll in Credit Close-Up® to get complimentary access to their FICO® Credit Score.
  • List out your debts: What you owe, to whom, and how much interest you're paying. Seeing it all in one place helps you plan your next move.
Build a plan that works for you
  • Create a budget that fits your life. Track your income and spending to find areas where you can cut back and redirect funds.
  • Learn about different debt repayment strategies, such as the avalanche and snowball strategies, to find the one that works best for you.
Make payments a priority
  • Pay on time, every time. This comprises 35% of your credit score.
  • Add a little extra when you can to pay down your existing debt faster.
  • Set up payment reminders and alerts so you never miss a due date.
Explore ways to simplify
  • If you have multiple debts with high interest rates, consolidating your debt into a single loan may be an option worth considering.
  • If you ever have trouble making a payment, contact your creditors to understand your options.
  • If you’re struggling to make payments on a Wells Fargo account, visit Wells Fargo Assist. We may have options that can help. 
Strengthen your credit over time
  • Connect with a credit counselor to find strategies to improve your credit.
  • Limit how often you open and close accounts. Submitting too many credit applications in a brief period — or closing accounts you rarely use — may impact your credit score.
  • Once you find a strategy that works for you, stick with it, and celebrate as your debt shrinks over time.

You’ve got this — and we’ve got your back.

Managing your money doesn’t have to be perfect. You just need to start. Whether you're paying down balances, building your credit, or planning for the unexpected, every step forward counts.

You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. 

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

Certain information provided by Fair Isaac Corporation, San Rafael, California.

Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you. New credit accounts are subject to application, credit qualification, and income verification.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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