How to Improve Your Credit Rating

Are you looking for permanent ways to improve your credit rating? To repair your credit with amazing success, you can Ask Kate for practical advice! But first meet Kendra. Her finances were a mess. I'd rarely seen such a sorry credit history. Was there any hope to fix a credit history this bad, I wondered.

Kendra had been through a few tough years but now with a steady job, she was determined to turn her life around.

Kenda's Credit Story Continues

Ask Kate at Get-Your-Best-Mortgage-Rate.com

As earnest as she was, I had little hope Kendra could improve her credit scores enough to qualify for a mortgage and buy a home. Still I sent her home with my one year plan to fix her credit history.

Twelve months later, no one was more shocked than I when we reviewed her credit report together. I shouldn't have been so surprised. Kendra had followed my instructions carefully to improve her credit scores with amazing success.

Kenda's Credit Story Continues

As earnest as she was, I had little hope Kendra could improve her credit scores enough to qualify for a mortgage and buy a home. Still I sent her home with my one year plan to fix her credit history.

Twelve months later, no one was more shocked than I when we reviewed her credit report together. Yet, I shouldn't have been so surprised. Kendra had followed my instructions carefully to improve her credit scores with amazing success. Kudos to Kendra!

Hear What Kate's Readers Say

Kate, I wanted to take this opportunity to thank you for encouraging me to be more responsible with my credit. -- KB

Ask Kate How to Improve Your Credit Rating

You're seeing internet schemes with claims to quickly fix a credit report. But you already know quick fixes don't work. What you're seeking is honest, trustworthy credit repair advice.

So go ahead. Ask Kate! Get answers you can depend on.

By the way, have you seen these questions from Kate's other readers?

[ ? ]

A little about you...

(City and State)

You're almost done...

 submission guidelines.


You'll be able to edit your question on the next page.

More help! Look at these questions, comments, and Ask Kate answers.

Enjoy the following questions and comments from other readers, as well as my answers. You can add comments too!

Poof! Balloon Payment in Mortgage Pay-Off Vanishes 
Ask Kate when the balloon payment in your mortgage pay-off vanishes: Fred repeatedly asked his lender for a mortgage pay-off that includes the $265,000 …

HAMP Mortgage Modification and Loan Servicer Misfires 
Ask Kate about mortgage modification and loan servicer misfires: Helen's well known bank raised her modified house payment by $600 a month to cover property …

Can Unemployment Forbearance Increase Your Mortgage Payment 
Ask Kate if unemployment forbearance (UP) increases your mortgage payment: AJ's husband was approved for mortgage forbearance after losing his job. Now …

2nd Lien Mortgage Modification Payment Quadruples After 5 Years 
Ask Kate about a 2nd lien mortgage modification payment that triples after five short years: Mike's bank has proposed a modification of his 2nd mortgage …

FHA Refinance After Bankruptcy and Loan Modification 
Ask Kate about FHA refinance after bankruptcy and mortgage loan modification: Wendy's bankruptcy was discharged over 4 years ago. Her mortgage has been …

HAMP Modification and HARP Refi After Alimony Ends 
Ask Kate about HAMP loan modification and HARP refinance after alimony ends: What happens to borrowers when their alimony runs out? Yep, their debt ratios …

Clearing HAMP Mortgage Modification Hurdles 
Ask Kate how to clear HAMP mortgage modification hurdles: Claire cannot afford her house payment this month, following a divorce. She's checked with …

FHA Mortgage Eligibility: Short Sale or Foreclosure 
Ask Kate about FHA mortgage eligibility after short sale or foreclosure: Vickie needs a cash-out refinance to pay bills after her divorce. But her lender …

How to Afford Your Mortgage After Divorce 
Ask Kate how to afford your mortgage after divorce: Paige is proactively pursuing a HAMP modification after her divorce. Yet she is finding her previous …

Stop Mortgage Foreclosure - Embarrass Your Loan Servicer 
Ask Kate how to stop mortgage foreclosure by embarrassing your loan servicer into action: Patsy doesn't know where to turn for help. As you read Patsy's …

How to Refinance a Mortgage After Short Sale 
Ask Kate how to refinance a mortgage after completing the short sale process on another property: After John's wife became ill and lost her job, they …

Improve Your Credit Scores with Lasting Results 
Ask Kate how to improve your credit score with lasting results: Sergio is trying to refinance his mortgage but his late house payments are a hindrance …

My Lender Will Not Modify My Mortgage 
Ask Kate why your loan servicer won't modify your mortgage. How to get HAMP and in-house modification help: Mark from Round Hill, VA got his mortgage …

Solving Your HAMP Loan Modification Predicament 
Ask Kate about HAMP loan modification before divorce and other predicaments: Sonia wonders what she should know before modifying her mortgage since she's …

Reaffirm or Not to Reaffirm a Mortgage after Bankruptcy 
Ask Kate about reaffirming a mortgage in bankruptcy: You may remember Deborah who wrote me about the agony of homeownership after her bank had the audacity …

HARP Refinance vs Forced into Loan Modification 
Ask Kate why, instead of HARP refinancing, the bank forces me into a loan modification: Rosa purchased her house in 2005 and financed it with a fixed …

Your Unique HARP Underwater Refinancing Scenario 
Ask Kate to discuss your unique HARP underwater refinancing scenario: Leslie in Phoenix asks about refinancing with the HARP program after mortgage foreclosure. …

Proactive Tips for Avoiding Mortgage Foreclosure 
Ask Kate to discuss proactive tips for avoiding mortgage loan foreclosure: These are backward times when foreclosure and strategic default are as common …

Help with Credit Repair 
Ask Kate for help with credit repair after past due mortgage payments: Dennis set up auto-pay for his elderly mother's mortgage payments. But he found …

Mortgage Reaffirmation after Bankruptcy 
Is mortgage reaffirmation after a bankruptcy discharge necessary for a HARP refinance? Stan's lender says he must reaffirm his current home loan to be …

Jargon Free Effective Credit Repair 
Ask Kate Jargon Free Effective Credit Repair : Hi Kate, How do I increase my credit scores and get a mortgage? I am 70 years old, I don't want to live …

How to Refinance a Good Mortgage Gone Bad 
Ask Kate how to refinance a good mortgage gone bad: Kate, While trying to refinance my mortgage, I have been working with one lender for over a month. …

Do Quit Claim Deeds Protect Credit Score Ratings 
Ask Kate do Quit Claim Deeds protect Credit Score Ratings: Kate, I am preparing a quitclaim deed from myself to my husband on a condominium we both own …

Buying Another Home After Foreclosure 
Ask Kate about buying another home after foreclosure: Kate, We lost out home due to the sub-prime loan practice, and are considering another home. I'm …

Click here to ask Kate about your mortgage.

Credit Score Ratings and Quit Claim Deeds 
Ask Kate how credit score ratings and quit claim deeds are connected: Kate, do Quit Claim Deeds save my credit rating? Is there any criteria in which …

FHA Short Refinance 
Ask Kate about FHA Short Refinance: I am a responsible home owner who would like to take advantage of today's historically low mortgage interest rates. …

Good Credit Not A Luxury 
Regarding Good Credit Not A Luxury: In today's world, good credit is not merely nice to have. It is "a must have". Your credit scores is a reflection …

Quit Claim Deeds 
We are going through financial difficulties. We just heard about quit claim deeds. If you file a quit claim deed, will the bank (if they agree) take title …

Quit Claim Deed 
Ask Kate: Will a quit claim deed help to save the credit score of a co-signer? My mother co-signed on my mortgage several years back at the suggestion …

Quit Claim Deeds and Real Estate 
Ask Kate: Quit Claim Deeds and Real Estate Question Kate, I made a huge mistake a few years ago and gave up interest on a condo without doing anything …

Mortgage Credit Rating And Credit Score 
Ken asks Kate about his mortgage credit rating and credit score: Hi Kate, I have a question about my credit rating. I married my wife shortly after she …

Contact Kate Help For Homeowners 
Regarding: Contact Kate Help For Homeowners Here is an email I received at Ask Kate from a Reader who echoes my goal of empowering homeowners to learn …

Ask Kate Homeowner Foreclosure Question 
Homeowners ask Kate their mortgagae foreclosure question: My sister and I own our house together. We each pay half of the mortgage. We are now one month …

Ask Kate Will Debt Raise Credit Scores 
Question: Ask Kate Will Debt Raise Credit Scores To Owe or Not to Owe That is the Mortgage Question! How exactly does the credit score affect the possibility …

Strategies For Credit Scores From Contact Kate 
Strategies For Credit Scores From Contact Kate: Kate, My question is about my husband's credit score vs. my credit score. My husband has worked really …

Credit Freeze And Joe Public 
Regarding Credit Freeze And Joe Public: The credit freeze, is it a good thing? Just wondering what people thought of the idea that the current credit …

FHA Loan Modification: Partial Claim Promissory Note 
Ask Kate about the FHA loan modification program that includes a partial claim promissory note: Jennifer successfully completed her 3-month payment plan …

Mortgage Loan Servicer: Marred Credit, Robocalls, Harassment 
Ask Kate how to cope with a mortgage loan servicer's harassment: Marred credit and robocalls sum up Rebecca's experience with the servicer of her home …

Unforeseen Mortgage Forgiveness: Notification of HELOC Lien Release 
Ask Kate about unforeseen mortgage forgiveness with notification of HELOC lien release: Out of the blue, Luis' lender forgave his home equity line of …

Smug Banks: Quit Claim Deeds and Loan Modifications 
Ask Kate about smug banking attitudes toward quit claim deeds and loan modifications: After Corey quit claimed his home in the divorce, the bank modified …

500k in Home Equity Yet Can't Refinance 
Ask Kate how to refinance a mortgage with $500,000 in home equity: Bobby has $500,00 of equity in his home and no 1st mortgage lien. He is sick and needs …

Inconsistent Mortgage Modification Requirements for Spouses 
Ask Kate about inconsistent mortgage modification requirements for spouses: Amy's bank has modified the mortgage without her consent three times since …

Exit Strategy for Mortgage with Balloon Payment  
Ask Kate about an exit strategy for mortgage with balloon payment: Charlie's mortgage is in a bind. The bank is going to foreclose. Both the 2nd and …

Mortgage Modification: Debt, Divorce, Assumption 
Ask Kate about paying off debt to reverse a mortgage modification denial: Marc's mortgage payment is increasing but because he has $25,000 in savings, …

Divorce Your Mortgage to Protect Credit Scores 
Divorce your mortgage to protect credit scores: Deciding how to split up the ownership of a home during divorce is complicated enough. Add a joint mortgage …

Reaffirming Mortgages After Bankruptcy - IRS Tax Liens 
Ask Kate about reaffirming a mortgage loan after bankruptcy: Kristi and her husband can't find a lender to refinance their mortgage which was never reaffirmed …

How to Untangle a HAMP Mortgage Modification Offer 
Ask Kate how to untangle your bank's confusing HAMP mortgage loan modification offer: Lola was using 70 percent of her income to make her HAMP mortgage …

Can't Pay the Mortgage? Struggling Borrower Options 
Can't afford to pay your mortgage? While low interest rates of 2015 are assisting mortgage affordability, results of the recent recession continue to …

IRS Tax Lien and Mortgage Approval for FHA Financing 
Ask Kate how an IRS tax lien affects mortgage approval for FHA financing: No one likes surprises during a loan application. Lynn is no exception. She …

Click here to ask Kate about your mortgage.

Foreclosure Alternatives and 2nd Mortgage Forgiveness 
Ask Kate about HAFA foreclosure alternatives after bankruptcy and the nightmare of failed 2nd mortgage forgiveness: Which would be more beneficial after …

HARP Refinance Denial After HAMP Modification 
Ask Kate about absurd HARP refinance denial following HAMP modification: When a mortgage lender adds rules to Fannie Mae guidelines, the practice is …

Affordable Mortgage Payments After Divorce 
Ask Kate how to get affordable mortgage payments after divorce: Leonor asks me what to do about her home. After a divorce, she is the sole support of …

Zero Credit Score: Getting Mortgage Approval 
Ask Kate how to get mortgage approval with a zero credit score: Dee wants to buy a house but recently found out she has a zero credit score. Keep reading …

Modify Your Mortgage: The Non-Borrowing Spouse 
Ask Kate about modifying a mortgage without your non-borrowing spouse: Mary's brother was approved for a HAMP loan modification and finished his trial …

Can You Qualify for FHA Financing: IRS Tax Extension 
Ask Kate how to qualify for the FHA home loan when you need an IRS tax extension: It's not impossible to get a mortgage with a federal tax lien! But …

Modify Your Own Mortgage with Fannie Mae Help 
Ask Kate how to modify your mortgage by asking Fannie Mae for help: If you've been through a loan modification, you know how unpredictable the process …

Negotiating Deed in Lieu of Foreclosure 
Ask Kate how to negotiate during the deed in lieu of foreclosure process: It's not always simple to know how to work with your lender when a mortgage …

Choosing Short Sale Over Foreclosure 
Ask Kate about choosing short sale over foreclosure: Short sale is the act of selling your home for less than you owe on the mortgage. Making Home Affordable …

HAMP Loan Modification and Your Credit After Divorce 
Ask Kate about HAMP loan modification and credit after getting divorced: Melissa's spouse was awarded the house in the divorce decree and was given three …

Difficulties Correcting Credit Report Errors 
Ask Kate about correcting credit report errors and National Mortgage Settlement resources: Late mortgage payments. Collections. Robo-signing. Foreclosure. …

Do Inquiries Damage Credit Bureau Scores 
Ask Kate if inquiries damage your credit bureau scores: Hi Kate...love your website. Every time I read a page, I end up opening 3 or 4 more …

Notice of Federal Tax Lien Causing Home Buyer Hiccups  
Ask Kate about Notice of Federal Tax Lien Causing Home Buyer Hiccups: Kate, Our mortgage lender assured us we would be able to close on our home until …

Mortgage Refi and FICO Score Calculation 
Ask Kate about mortgage refi and FICO score calculation: Kate, My husband and I recently applied to refinance our house. When the broker pulled our …

How To Reduce Debt How To Pay Off Debt  
Ask Kate how to reduce debt and how to pay off debt: Hi Kate, Help! I pay my bills on time but divorce recovery has my middle credit score at 680. I …

Short Sale vs Foreclosure 
Ask Kate about Short Sale vs Foreclosure - Did short sale mess with my credit scores? Hi Kate, Even with excellent credit, we can't refinance due to …

First Time Home Buyer Advice 
Ask Kate for first time home buyer advice regarding income and credit: Dear Kate, I've been searching and searching the internet for an answer to my …

Short Sale Process 
Ask Kate for help with short sale process: Hi Kate, My husband lost his job in January. We have never missed a mortgage payment and have outstanding …

Foreclosure Alternatives 
Ask Kate about foreclosure alternatives and short sales: Hi Kate, I received a quit claim deed for my home in a divorce three years ago. Now I need foreclosure …

Credit Score Rating 
Ask Kate about a second credit score rating before closing: Hi Kate, My mortgage process is going along smoothly. The bank ordered my appraisal and said …

Deed In Lieu Of Foreclosure 
Ask Kate About Deed In Lieu Of Foreclosure: Hi Kate, My house is up for sale because I have to move by this summer. What if my house doesn't sell by …

Debt Relief Programs 
Ask Kate about debt relief programs: Hi, Kate. After completing 3 international adoptions over the past 11 years, we owe $63,000 in credit card debt …

Mortgage With Fair Credit Score Ratings 
Ask Kate: How To Get A Mortgage With Fair Credit Score Ratings Hello Kate, My wife and I currently own a townhouse worth $170,000 with houses selling …

Mortgage Modification and Manufactured Homes 
Ask Kate: Mortgage Modification and Manufactured Homes Hello Kate, my husband lost his job back in January. He is 63 years old. We have been living in …

Credit Score Ratings 
Ask Kate: Credit score ratings - Oh no! I missed a payment. Hi Kate, How will one late mortgage payment affect my credit score ratings? Just this month …

Click here to ask Kate about your mortgage.

Refinance After Bankruptcy 
Regarding Refinance After Bankruptcy : My husband and I built a house in 1996. After running into financial difficulties and filing bankruptcy 5 years …

Credit Rating For Spouse 
Regarding Credit Rating For Spouse: My husband has great credit and I don't. Can he apply for the mortgage in his name only? We are in Canada if that …

Consumer Credit Help 
We need consumer credit help . We applied for a US credit card from a large department store last summer. When we received the monthly credit card statements, …

Mortgage Loan Modifications 
Regarding mortgage loan modifications Hi Kate, it's me again. My question is What can I do? I have tried refinancing but there are so many foreclosures …

Mortgage Loan Modification Answers 
Looking For Mortgage Loan Modification Answers: Hi Kate, I have been looking into a mortgage loan modification and we are finding that there's a lot …

Ask Kate About Mortgage Loan Modification 
Ask Kate About Mortgage Loan Modification Can you clarify a couple of questions on mortgage loan modification? My hair dresser is upside down on her …

Mortgage Stimulus and Mortgage Loan Modification 
Regarding Mortgage Stimulus and Mortgage Loan Modification: I have looked all over the internet to find out how this new mortgage stimulus will help …

Mortgage Loan Modification For Subprime 
Regarding mortgage loan modification for subprime: Dear Kate, I am not late on any monthly house payments but can no longer afford them. My loan is an …

Homeowner Needs Fixed 30 Year Mortgage 
Regarding Homeowner Needs Fixed 30 Year Mortgage: Hi Kate, I borrowed $412,000 with a negative amortization mortgage loan two years ago. I now owe $441.000. …

Improve Credit Rating To Buy A Home 
Regarding Improve Credit Rating To Buy A Home: I am trying to buy a home but I need to improve my credit rating and score by 20 points. A public records …

How To Cinch A Refinance 
Ask Kate: How To Cinch A Refinance - Credit! Hi Kate, In November 2007, we closed on our house. Because I was relocating to a new area to be with my …

Credit Freeze Hurts Independent Contractor 
Regarding Credit Freeze Hurts Independent Contractor: I've been hurt by the current credit freeze mainly because others have also been hurt. Personally …

Protect And Improve Credit Rating 
Regarding Protect And Improve Credit Rating: Everyone agrees paying your bills on time will improve your credit rating, right? But what would you do …

Refinancing Advice From Succesful Homeowner 
Refinancing advice from a successful homeowner who has discovered the key to refinance -- A good credit rating! It's great to hear a success story in …

Credit Freeze Thoughts 
Regarding Credit Freeze Thoughts: Hi Kate, I work in a business that is effected by the Credit Freeze. The main concern will be the holiday shopping …

Credit Freeze 
Regarding the Credit Freeze: The subprime meltdown overflowing into a mortgage crisis and credit crunch is followed by almost one trillion dollars earmarked …

Getting Ready To Refinance 
Ask Kate: Getting Ready To Refinance Dear Kate, We are almost ready for refinancing our home and first of all I just got my credit scores and am surprised. …

Letting Bank Foreclose 
Ask Kate: Letting The Bank Foreclose We have been in our home for a little over four years. We are now looking to move but cannot continue to make payments …

Improve Credit Rating Settle Credit Card Debt 
Regarding Improve Credit Rating And Settle Credit Card Debt: Hi Kate, how can I improve my credit rating? I'm attempting to settle an old debt with a …

Need Help To Improve Credit Rating 
Regarding Need Help To Improve Credit Rating: Kate, can you help me improve my credit rating? I'm a college student that thought it would be a great …

Looking For Credit Repair Secret 
Ask Kate: Looking For Credit Repair Secret Kate, is there a credit repair secret to fixing bad credit? I have been trying to repair my credit for three …

Improve Credit Rating After Bankruptcy 
Regarding Improve Credit Rating After Bankruptcy: I was recently divorced and because of the debts of my spouse I unfortunately had to file bankruptcy. …

Improve Credit Rating After Foreclosure 
Regarding Improve Credit Rating After Foreclosure: Kate, What is the best way to improve your credit rating after a home foreclosure? And is it possible …

Best Mortgage Advice How To Fix A Credit Score 
Regarding Best Mortgage Advice How To Fix A Credit Score: Kate, I'm a student, and during my wild years in school I've managed to rack up a fair amount …

How Much Foreclosure Affects Credit Scores 
Ask Kate: How Much Foreclosure Affects Credit Scores Kate, how much will foreclosure affect a credit score? I know more than one person facing foreclosure …

Click here to ask Kate about your mortgage.

Mortgage Advice About Shaky Credit 
Regarding Mortgage Advice About Shaky Credit: Kate, how does a non traditional home buyer with shaky credit get a mortgage? My husband and I do everything …

Contact Kate For Strategies To Buying A First Home  
Contact Kate For Strategies To Buying A First Home: We're buying our first house and have mortgage questions for Ask Kate! We are preparing ourselves …

Click here to ask Kate about your mortgage.

Tell a Friend

Please share Improve Your Credit Rating with your friends. I hope you'll come back and visit often.

Recent Articles

  1. Kate's Mortgage Rate Report August 11: Rates Bouncing Like a Ping Pong Ball

    Aug 11, 16 10:49 AM

    Kate's mortgage rate report for the week ending August 11, 2016: Rates Bouncing Like a Ping Pong Ball
    Mortgage interest rates have been bouncing like a ping pong ball: After last Friday's strong job report began pushing up mortgage rates, the market is now hinting at a reversal, with the 30-year hover…

    Read more

  2. Ask Kate how to avoid unauthorized mortgage rate extension fees

    Aug 11, 16 10:18 AM

    Ask Kate how to avoid unauthorized mortgage rate extension fees
    Ask Kate how to avoid unauthorized mortgage rate extension fees:

    After locking in her rate, the bank sent a Texan homeowner, Laura, notification of several thousand in fees that she must pay in order…

    Read more

> Improve Credit Rating