Are you tired of your credit score playing hide-and-seek with your financial dreams? Well, you're in for a treat, because we're about to embark on a credit repair journey that's as entertaining as it is effective. Grab your popcorn, folks, because we're diving into the whimsical world of credit score improvement with ten quirky and quick fixes!

1. Channel Your Inner Sherlock Holmes

Sherlock Holmes may be a fictional detective, but you can solve your own credit mysteries! Grab a magnifying glass (or a smartphone, whichever is handier), and investigate your credit report. Look for any errors or discrepancies that might be holding your score hostage. One typo could mean the difference between a good score and a great one!

2. Be the Smooth Operator You Were Born to Be

Imagine you're James Bond, navigating the world of credit with effortless charm. Your mission, should you choose to accept it, is to negotiate with your creditors. Offer them a deal they can't refuse—a payment plan that works for both parties. Remember, even the toughest villains can be swayed with the right approach!

If it's been some time since you reviewed your credit report, you may be shocked to find errors, mistakes or black marks on it. Thankfully, Credit Repair Companies can help fix those mistakes and erase those black marks; just be wary of scammers by following these tips for selecting a reliable Credit Repair Company:

Don't pay anything upfront.

Avoid Credit Repair Companies that require you to pay before they meet with you. Reputable companies will first talk with you, assess your credit report and discuss your current situation before asking for any payment. An up-front fee is often indicative of how quickly they'll take advantage of you; no matter the charge is reasonable if they claim it'll cost thousands, look for another Credit Repair Company instead.

Be wary of "re-inventors".

Some companies claim you can clean your credit slate clean by "re-inventing" yourself with a new social security number, but this isn't always the case! In most cases, what they intend to do is obtain you an Employee Identification Number (EIN), which looks just like your social security number and instructs you how to use it as such. Unfortunately, this practice of "file segregation" is both illegal and fraudulent - avoid any credit repair company suggesting this method!

We have been helping people clean Credit Reports since 2004, removing items that are misleading, inaccurate, obsolete and duplications. We use strict compliance monitoring systems and the most creative credit repair strategies to generate industry leading results. Praxis Credit Consulting continues to set the pace to generate second chances for our clients in the credit repair industry. Praxis Credit Consulting has become a trusted leader and is committed to providing quality services with a proven track record. For over a Decade we have helped people create a second chances to not only obtain their goals of home ownership, better jobs, and saving on day to day items (insurance, credit card interests, mortgage loans and auto loans)

A Brief History of Praxis Credit Consulting 

We were founded in 2004 here in Phoenix, when our owner wasn’t able to find assistance of putting his life/finances together after a divorce. With all the so called help and misguided information provided to the general public he set out to find the truth. Creating a road map to have better credit

17 years of expeirence 

Praxis Credit Consultants are expert counselors who can help you:

Fast Start to Repairing and rebuilding your credit

Straight out of the gun! With proven methods already in place to help you reach your goals as soon as possible. We dispute all the items that are misleading, obsolete, inaccurate or duplications on your reports. This provides the assurance to deliver the best value in the industry.

The advantage of having a credit coach

Many people are unclear on even how to read a credit report much less know where to start on the reporting problems. Since the credit problems are usually hard to spot we offer a free credit consult to help provide you with the information on which items need to be disputed. We help you identify even the most subtle dispute items to create a solid plan of attack so that you can reach your goals of higher credit in no time.

The Praxis Credit Consulting difference…

Our People.

At Praxis Credit Consulting you will immediately notice a difference with our impeccable customer service. We treat our customers with the respect they deserve because we know what you have been experiencing.

Our employees go through extensive training not only in reading credit reports but the laws that govern them; they are motivated to help you with your credit challenges, and friendly to better serve your needs. At Praxis Credit Consulting we are like family so we will do everything we can to help you and your credit hurdles.

Question 1 - Does it really work? or do you just mail out a ton of letters?

Experian is beginning to assist renters build credit scores with the recent purchase of RentBureau. RentBureau is a company that collects information from landlords on renter payments. Their goal is to incorporate the rental payment history as an active trade line to generate part of the historical information.

This will help with multiple groups:

College no more free credit cards to pay for beer LOL!

helps in getting jobs, since more companies are using credit reports to screen applications.

will help create a stable payment history.

Ok, so now that you have corrected all of the mistakes on your credit report, you are at the perfect starting point to really dig in on the do-it-yourself credit fixes. Take a deep breath and prepare for some painful introspection and an honest look at your financial situation. Wait, wait, don’t stop reading! It’s completely worth your time and effort, your credit score will thank you.

Take an hour or so and pull together all of your bank statements, credit card statements and that credit report you pulled after you finished correcting your credit report. Take an honest look at the report, specifically the derogatory accounts section.

What to look for in the derogatory accounts section:

1. Identify the problem -Get out your highlighter and mark up the “derogatory” items. You could see late payments, collection accounts, or a past bankruptcy, foreclosure or short sale items. This will help you pinpoint exactly where to begin your restoration.

2. Interpret the problem - If you have a bankruptcy, foreclosure or short sale in your past there is not much you can do to “restore” your credit. You’ll need to focus on establishing positive credit instead. If the shadow in your past is mostly items like late payments or collection accounts, it’s time to establish automatic bill-pay or payment plans.

Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses. What you don’t know about your credit could be costing you money.

Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Besides these conveniences, your credit report can mean that you must pay higher deposits and fees for everyday services.

Did you know that your credit history can keep you from getting utility connections, good telephone rates, the best auto insurance, home owner’s insurance, or even keep you from getting hired?

1. Some utility companies set minimum standards for service connections. If your report shows collection accounts for prior utility bills, you may not be eligible for service at all. And if utility companies do agree to connect your service, you’ll need to pay a higher deposit than another customer with good credit who may not need to make any deposit.

2. The same requirements exist for telephone services. People with a good credit history don’t need to pay deposits for home telephone or cell phone services. When we first got a cell phone with poor credit scores, we had to pay a 0 deposit, for one cell phone. After fixing our credit, we got eight cell phones for our business, with zero deposits.

Next Step

Managing your credit can be quite an undertaking, especially when you start with a less than perfect credit history. If you’re someone with great credit, congratulations! Just keep doing what you’re doing! If you’re like the rest of us there is room for improvement. Not to worry there are a few simple fixes to boost your credit score all by yourself.

To be honest, we’re not in the business of sharing our best strategies to fix a credit score, but there are a few simple steps you can take which will without a doubt improve your score. Follow these straightforward steps and you’ll be on the road to a credit score that won’t make you cringe.

1. You’ve got to start somewhere - Pull your free annual credit report from annualcreditreports.com.

2. Check & double check - Read it carefully! Double check all of the information is correct, if you have questions or doubts, highlight the item and research further. Lenders typically do a decent job of reporting items correctly, but there is more often than not at least one mistake on every credit report.

3. You’re the boss - Take charge of these questionable items. Contact the business with which you hold the account and see if they’ll work with you. If you face resistance write a formal letter to the business with copies sent to the 3 credit bureaus; keep one for yourself too.