How can I fix a credit score fast, Kendra, my friend and client, asked me as we chatted on the phone.
Kendra's finances were a mess. When she applied for a mortgage, I'd rarely seen such a sorry credit history. I wondered if there was any hope to fix a credit report this bad.
Stop looking for the quick fix, I told her, and listen carefully to what I am about to tell you. You need immediate access to all three credit reports AND scores because when you are managing your credit, you are protecting your future.
Monitor your credit score right here.
Tip: Begin today to pay all bills, credit cards, and loans before the due date. No excuses allowed.
Tip: Inquiries reduce credit scores. Never submit multiple credit applications when shopping for cars, furniture, credit cards, mortgages, or personal loans.
Tip: Order a copy of your credit report and credit score from all 3 major credit bureaus, Equifax, Experian, and TransUnion.
Tip: Review your credit report for errors, pay all collections, and get written receipts showing payment in full.
Tip: Do not cut up credit cards after paying them off. Paid accounts improve and fix a credit score.
Tip: Do not close old accounts. A seasoned credit history will improve and fix a credit score.
Some credit gurus recommend cutting up credit cards and closing accounts. Do not listen to them. They think you have no self control and cannot manage your money. I don't believe them.
If you want something badly enough, you can control yourself but if you do what the credit gurus say, you will lower your credit score. Decide today that you are going to take control of your finances.
Tip: Pay credit card purchases off monthly. Otherwise use cash until the credit card balance is zero again.
Tip:
Twelve months later, no one was more shocked than I when we reviewed Kendra's credit history together. I shouldn't have been so surprised. Kendra had used my credit repair help to fix her credit problems.
Now it's time to discover your no-nonsense credit repair advice. Ask Kate directly how you can improve your credit rating with amazing success.
Ask Kate now. Discover Kate's Best Mortgage Rate Blog today. Keep up to date on how to fix a credit score and additional tips to fixing bad credit.
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Last year, Wilson improved his credit. This year, he discovered protecting his identity involves credit report monitoring. Take control of your life by protecting your credit scores. Don't suffer the consequences of another person's behavior.
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