Raise your hand if you were one of the millions of people who promised yourself you’d only use your credit cards for an emergency. Everyone who read this just raised their hand, and that’s because no one takes on a line of credit with the intent of falling into debt. It happens, though and then it’s all downhill unless you take the steps to fix your credit score. Here’s how you can do it.
Order a free credit report and comb it for any errors there may be. Making sure your credit reports are accurate is the easiest way to repair your credit since you put in relatively little time and energy for significant score improvements. You can order your credit report through companies like Equifax for free.
Your household bills are just as important to pay on time as any other credit source. When repairing your credit history be sure to maintain on time payments to utilities, mortgages or rent. If these are reported as late, it can have as much negative impact on your history as the positive things you are doing in your repairs. Continue reading