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The Independent UK
The Independent UK
Business
J.R. Duren

SHOCKING: A five step plan to improve your credit score in 2026 - What They Never Told You

Creating a plan to achieve better credit is critical to your success, as it frees up the mental energy you need to complete your New Year’s resolutions - (AFP via Getty Images)

Will 2026 be the year you make big improvements to your credit score?

The answer to that question is a matter of planning and follow-through, for the most part. You have to be intentional about improving your credit, says debt and bankruptcy attorney Ashley Morgan, owner of Virginia-based Ashley F. Morgan Law, PC.

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