Yes. It is never too late to clean up your credit or build a credit history. It won't happen overnight, but you can improve your credit by paying bills on time and not over-using or abusing credit. If you have a slightly damaged credit history, with only a few late payments, you may be able to bring your accounts up-to-date and improve your credit in just a few months. For information on how to improve your credit, visit the Consumer Action web site (www.consumer-action.org) and click on “Credit.”