Your credit score is a variable three-digit number that says a lot about your ability to pay your bills promptly, but even if your credit score is low, there are some easy ways to fix it over time.

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. A strong credit score is one of the most valuable tools in ...