Top Site Net Features | Register | Login

Tips on how to fix my credit score fast

If you are wondering how to fix my credit fast, one thing that you need to realize is that repairing your credit is like losing weight. Not only does it take a long time but there isn’t a quick fix for repairing your credit. Therefore, you need to be careful about any bureau that promises to fix your credit fast. In order to rebuild your credit, you will need to manage it in a responsible way over a period of time. Here are other tips that can help you to repair your bad credit.

Consider your credit report

The credit score report usually starts with a credit report. If you don’t have any, you can request a free copy and see whether there are any errors.  You should be keen to see if there are any late payments that are listed incorrectly. Confirm whether the amounts owed for every open account is also correct. In case there are any errors in the report, you can raise a dispute with the relevant credit bureau.

Create payment reminders

One of the biggest contributors to the credit score is the ability to make payment on time. There are those banks that offer a reminder for payments using their online portal. They will usually send a text message or email to remind you when the payment is due. Another alternative is to enroll in the automatic payments through your loan providers and credit cards so that your payment will be debited directly from your bank.

Reduce your debts

While this may sound easy, it can prove difficult to do. However, reducing what you owe will prove to be satisfying as compared to trying to improve your credit score. First, you can stop carrying your credit card. Make a list of all accounts that you have and check for recent statements to figure out the amount that you owe on every account as well as the rate of interest that you are being charged. You should then create a payment plan that will allow you to put the money budgeted for debt payment to the credit card that has the highest rate of interest. Ensure that there is also a minimum payment that is going to the other accounts.

Improve your payment history

There are several tips that you can use to improve your payment history. These include:

  • Paying bills on time

  • In case of any missed payment, make sure you get and stay current. The longer the period of time that you pay bills on time, the higher your FICO score will keep on improving

  • Understand that paying off a collection account doesn’t remove it from the credit report

  • If it is becoming difficult for you to live a comfortable life, talk  to credit counselor


About This Author


Adam MhrezAdam Mhrez
Joined: October 31st, 2017
Article Directory /

Arts, Business, Computers, Finance, Games, Health, Home, Internet, News, Other, Reference, Shopping, Society, Sports