Credit Score Repair – Top 10 Tips

Credit score repair is a process which can be carried out by anybody. There is no need to employ a Credit Repair company, all they will do is charge you a fee for doing some work which you are capable of doing yourself. The following top 10 tips will show you just how easy credit score repair can be if you put your mind to it.

1)      Get a free report on Your Credit Rating from one of the top three credit bureaus which are Experian, Trans Union and Equifax.

2)      Find out your credit score, this is different from your credit report and you may have to pay a fee to get this.

3)      Examine your credit report for errors, if you find any send the credit bureau concerned a dispute letter.

4)      If you find doing this too difficult then consider using a credit repair company, but they will charge you some money for doing this work for you.

5)      Write down all your debts and work out how you can pay them off.

6)      Make your utility bill payments on time.

7)      Keep up with any loan repayments and always pay off at least the minimum payment on any credit cards that you have.

8)      If possible, keep the amount of money that you owe at or below 50% of the total amount of credit which you have available to you.

9)      Do not apply for multiple loans or credit cards at the same time as this will hurt your credit score.

10)   If you have a poor credit score because you have never borrowed any money previously, get a small loan and pay it off regularly.

I hope that these credit score repair top 10 tips have given you some ideas about how you can repair your credit. If you find the whole concept of credit score repair too difficult and you cannot afford to employ a credit repair company then you could consider signing up with a debt counselling service. These usually operate on a non-profit basis and can give you some good advice about budgeting and managing your credit.

About the Author

Do you want to learn how to eliminate debt, delete late pays, judgments, default accounts, inquiries, and bankruptcies from someone who boosted his credit score 135 points in 37 days? Visit 37 Days To Clean Credit

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