How To Fix Your Credit Score

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The importance of a good credit score cannot be overemphasized. While a credit score is most crucial for anyone who wants to access credit, it also matters in other services such as insurance, electricity, cable, water, rentals among others. Employers also do a background check to confirm your credit rating as it shows your reliability. A good credit score is within the range of 700 to 749 but we believe that you should aim for a better credit rating through the best credit repair tips.

At Credit Repair Ease, we appreciate how important your credit score is in many aspects of your life and for this reason; we help you with information and practical advice on how to fix your credit. We are the go-to source of reliable and up-to-date information on everything to do with credit rating and our team always prepares timely resources to help the consumer.

We have easy to read credit restoration tips prepared by highly experienced financial experts with the intention of getting everyone out of debt. If you feel overwhelmed by your debt, it is likely that your credit score has taken a hit too and we invite you to check out different ways of solving your credit rating blues.

How to Fix Credit Score Yourself

When it comes to personal finances, we appreciate that most people don’t want to share their problems. This is understandable because no one wants to go around talking about their poor credit score. If you have just typed “how to fix my bad credit myself,” this is where you will get reliable help. Our Credit Repair Ease resources will help you get back on your footing to enjoy the benefits that come with good credit rating. Below are steps to fix credit score fast:

  • Become proactive in reviewing your credit reports: Get a free credit report from TransUnion, Equifax or Experian and soft through it to identify any errors. Make sure you understand all the debt and if there are any mistakes, seek prompt clarification from the listed creditors by disputing the entry.

  • Pay your bills on time: 35% of your credit score pertains to debt repayment history. If you want to repair your poor credit score, it is time to plan on repaying your debts on time to avoid notifications going to the credit reference bureaus.

  • Check your credit card balances: You need to lower the credit card utilization. The amount of revolving credit you have versus how much you’re using affects your credit score in a big way. Lower this percentage to an optimum level of 30% or lower. If you have just searched “how to repair my credit” on a search engine, this should be your first move.

  • Reduce your credit cards/use only one: Nuisance credit card balances impact your credit score and you should pay up all these and leave one or two cards to use for everything. This is the best way to fix credit.

  • Only apply for credit when you need it: Before you get another credit card, ask yourself, “Do I need it?” This is the best tip on how to fix credit score. Avoiding new credit cards or loans reduces the number of inquiries on your credit report and improves your score.

  • Pay off debt rather than moving it around: Pay down your revolving debt and avoid the temptation to move it around.

These are just a few tips we offer on how to fix your credit score. Talk to us for more tailored credit repair services.