The most important do-it-yourself credit fix

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.

4. Waiting games - Wait a few months for all of your fixes to report back to the credit bureaus and bathe in the glory of a no cost, minimal hassle credit fix!

These four steps are absolutely the most important piece to the restoration of your credit puzzle. You’re now successfully at the correct starting point to really bump your scores. Many people think that simply making future payments on time is the most you can do on your own to repair your credit history; this is completely untrue. You’re now on the fast track to lower interest rates and deposit-free accounts!

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