Fix My Credit; How Do I Fix My Credit

Many people are throwing up their hands in frustration wondering how can I fix my credit? In these hard economic times, with job losses at record levels and businesses having to close their doors due to people spending less (because they’re flat out keeping a roof over their head and putting food on the table), it’s easy to get into trouble financially with credit cards and be late with mortgage payments.

Before we know it we have a couple of late payments on our credit report and our credit score is taking a nose dive. What to do? How to fix credit before it spirals out of control?

Well you’ll be happy to know there are a number of things you can start doing now in order to fix my credit score, and the sooner you start doing them the sooner your credit score will start climbing up again instead of spiralling down.

The number one thing you can do to fix your credit is to go through your credit report and get any errors off there. You’re entitled to a free credit report every year. That’s right; you don’t have to pay for them like some unscrupulous websites will have you believe. They won’t cost you a cent and you can order them through That’s a legit website that is sponsored by the three large credit bureaus; Equifax, TransUnion and Experian.

You could have errors on your credit report that are costing you points on your credit score. You could have inquiries on there that weren’t made by you; mistakes get made by data entry people; identity fraud is on the rise, so you should be making it a habit to check over your report at least once a year. It’s not going to cost you anything, and removing any inaccuracies off your credit report can bump up that credit score to a nice healthy figure.

The next thing you can do to fix your credit score is to start paying your bills on time. I know…you’re thinking ‘well I already knew that’….but are you DOING it? Look, the credit reporting agencies base over a third of your credit score on your payment history. That’s a big percentage based on just how well you pay your bills. It is easier said than done when times are tough, but if you are really serious about fixing your credit, you’ve got to do whatever you can to start getting those bills paid on time.
You might have to draw up a budget and STICK to it. Even if you have to eat beans for a week from time to time, do whatever it takes to get those bills paid by their due date. I have an article here on budgeting tips that can help you stick to this important practice. You can completely turn your credit problems around by starting to pay those bills on time. Over a period of time, once any late payments items come off your credit report, you will be rewarded with an increased credit score that will never be affected by a late payment item showing on your credit report again. Do what you can to make sure that no more late payments ever show up on your credit report again.

The third thing you can do if you are having problems paying your bills on time or with late payments is to get in touch with your creditors and explain your situation. So many people just couldn’t be bothered doing this, yet it can help take a lot of pressure off you if you can arrange to have your repayments lowered to a level you can afford and that will also keep the creditor happy and off your back.

If you take action and follow the ideas mentioned above you will be well on your way to fixing your credit. It won’t happen overnight but it will certainly start shifting things around for you, so you will never have to lament over the words ‘how can I fix my credit‘ again.

Do It Yourself Credit Repair – A 3 Step Plan

Do it yourself credit repair is possible. Though to some the steps may seem time consuming and incredibly frustrating, it is important to do all you can to improve your credit before the damage becomes permanent. The following is an easy to follow, quick and simple three step approach to Do It Yourself Credit Repair! Read more »

Raise Credit Score Fast – Can It Be Done?

Can you raise credit score fast? You’re after a loan for that next large purchase, and you’re a bit concerned about your credit situation and wondering if there’s a way to raise your credit score fast so you can get the loan approved, and pay a low interest rate on it. But is it possible?

Well there are a couple of things you can do to raise credit score fast, Read more »

Repairing Bad Credit – You Don’t Have To Go It Alone

Repairing Bad Credit

Repairing Bad Credit

Repairing bad credit is worth the time and effort it takes and no matter how bad your credit may be there are always options available to improve your bad credit situation.

You don’t have to go through it alone either, reach out to the following people and organizations and get the help you need for free… Read more »

Credit Repair Business – 3 Steps For Starting One.

A credit repair business is sure to succeed in the current economic climate, as anyone who watches the news, reads the newspaper or converses around the water cooler will know that the country and the American people are struggling with debt and credit repayment.

This is why some professionals are taking the entrepreneurial route and starting their own credit repair business.

The following are three steps you can take to develop and build your own credit repair business. By taking a less than conventional approach you may begin to experience what it is to truly help others and yourself. Read more »

What Can I Get Approved For With a Credit Score Of 720?

A credit score of 720, which is above the national average credit score of most Americans, and is considered a very good score, will usually enable you to get most types of finance. Personal loans; auto loans: home mortgages and credit cards should all be easy to get approval for. You probably won’t get them at the very best interest rates but the interest rates you’ll be paying for these will still be pretty good. Read more »

Credit Repair Attorney

A credit repair attorney can help you with removing inaccurate information from your credit report if you don’t want to do it yourself, however that help comes with a hefty price tag.

It’s true that credit repair attorneys can aggressively bombard the three main credit reporting agencies with dispute letters addressing inaccuracies on your credit report but this is something you can also do yourself, perhaps not so aggressively though, seeing they do this for a living. Read more »

Credit Repair Secrets

Credit Repair Secrets

Credit Repair Secrets

Credit repair secrets abound on the internet, but which ones have some truth to them and which ones should you listen to? This article discusses 3 Credit Repair Secrets to help you sort through the credit repair maze.

Credit Repair Secrets #1

You can fix your credit yourself.

Despite what some credit repair agencies would have you believe, you can fix your credit yourself. It is quite within the average person’s capability.

Why would you want to pay hundreds of dollars to a company for a service you can do yourself? Read more »

Credit Clean Up

A credit clean up is a good idea to do on an annual basis. But where to begin?

It may seem like an overwhelming task to do on your own but it’s not difficult and this article will walk you through the steps you need to take to clean up your credit report. Read more »

Instant Credit Report And How To Get Yours For Free

Instant Credit Report

Instant Credit Report

An instant credit report can be yours for free. Don’t be duped by companies that tell you otherwise. They are just trying to take advantage of and make money from unsuspecting consumers.

You are actually entitled to a free credit report every year from each of the three credit reporting agencies – Equifax, Experian, and Trans Union. You can choose to get all three at the same time or if you’d prefer to space them out, you can get one from each individual credit report agency say every four months.

This isn’t such a bad idea as you can look at how your credit score is going every four months and pick up on any discrepancies soon after they occur.

To get your free instant credit report you simply go Read more »

Debt Management Tips – Start and Stick to a Budget.

One of the best debt management tips to help you get more financial freedom and slowly eliminate your debt is starting and sticking to a budget. As boring and unexciting as that sounds a budget is the first step to take for debt management. Read more »

Next Page »