How To Fix A Credit Score Fast

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.

Tips To Fix A Credit Score

Credit Repair Help Tips

• 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 3 in 1 credit report and credit scores from all 3 major credit bureaus - Equifax, Experian, and TransUnion
• Tip: Review your credit report for errors and pay all collections - be sure you 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

Note: 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.

More Credit Repair Help Tips

• Tip: Pay credit card purchases off monthly - otherwise use cash until the credit card balance is zero again
• Tip: Use credit report monitoring to order your credit report and for protection against identity theft

Repair Credit With Amazing Success

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.

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