A low credit rating is a menace to your family’s financial stability. It can prevent you from being approved for loans and cost you thousands of dollars in extra interest rates and fees. Fortunately, there are steps you can take to identify fixable problems and raise your credit score. Start with the most basic: obtaining your credit report, which you can do for free through a few sources, including Discover. Check your report for errors, which can occur through no fault of your own and can be disputed. Next, work to improve your score by paying bills on time, making good on payments that you’ve missed, and paying down balances on credit cards and other debts. If you’re overwhelmed, a credit counselor may be able to help. It takes patience and discipline, but improving a poor credit score can be worth the effort.