Easy Tips To Help You Repair Your Credit

Easy Tips To Help You Repair Your Credit

  • Always pay your bills on time. The way you pay your bills accounts for almost one-third of your credit score. If you make a payment late it stays on your credit report and will affect your score for a whole 7 years. If you haven’t been paying your bills on time, start now!
  • Watch the number of inquires you have on your credit report. A lot of inquires shows you are shopping for credit which lowers your credit score. Alway be aware of when your report is pulled.
  • When working on repairing your credit, you should avoid closing or even lowering limits on your credit cards. Keep an eye on your overall credit score as it relates to the ratio of your used and available credit. The lower the percentage of used credit vs. available credit can give your score a big boost.

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Bad Credit Report Repair – Why Do It Yourself?

A credit report is a powerful piece of paper. Lenders look at it closely when deciding whether or not to give you a loan or credit card.
Insurance companies will sometimes use it to determine your rates or whether they will issue a policy at all. Employers will access it and use it to determine whether to offer you a job or promotion.
With so much importance placed on your credit report, it is absolutely essential that the information it shows puts you in a good light.

Do it yourself credit repair can save you money!

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Damaged credit repair: 10 ways to improve credit score?

In this article I am going to show you the best ways to repair credit by using the top ten ways to improve credit score.

1. Make sure to check your credit report at least once a year.

This is a good way to make sure you’re not a victim of identity theft. You will be aware of what might be on your credit report so you can dispute the items that may be showing as incorrect or negative.

2. Dispute errors on your credit report.

Contact each of the three major credit bureaus – TransUnion, Equifax, and Experian – and get copies of your credit reports and credit scores.  Carefully read over the reports and note any errors.  In writing, contact the credit bureaus and ask that mistakes be removed or investigated.  This is called a dispute letter and once it is received, credit bureaus have to investigate your dispute within thirty days of receiving your letter.  It is important to keep a copy of your letter and it is important to note the date the letter was sent.  You should not be accusatory or abusive in your letter – calmly and clearly state the problem and request an investigation. This will raise credit score quickly. Continue reading →