So you finally bit the bullet and checked your credit score... and now you wish you hadn't. All those over-the-limit credit cards have really brought your score down, but you need it higher to qualify for a loan or even a new apartment lease. What now? It's time for some quick credit fixes:
Quick Fix One: Pay Down That Debt! Don't close your existing accounts, just pay down the balances. The further you are from the credit limit, the better your score will be.
Quick Fix Two: Pay Your Bills! OK, so it's not very quick, but it's something you can start doing right this minute. You can create a monthly bill-paying chart if you have trouble remembering to pay the bills, or set up an auto-debit to your bank account, but you absolutely must pay your credit card bills on time if you want your credit score to go up.
Quick Fix Two: Dispute any incorrect information on your credit report. Go through it carefully, line-by-line, to make sure that all of the accounts are correct, any documented late payments are correct, and that the current balances are correct. Dispute incorrect information, and your score will improve when the issue is resolved.
It is always better to consider self help credit repair tips in order to get rid of your credit problems and improve your credit. In order to improve your credit, you need to pay off your past-due bills asap. Paying off the past due bills will have a positive impact on your credit report and will also have a positive impact on your credit report. Apart from this, you can even contact your creditors and negotiate for an alternative plan with lower monthly payments so that it becomes easier for you to pay off the debts. You can also negotiate with your creditors so that they remove charge-offs from your credit report. Also, you should avoid opening too many new accounts if you’ve gone through credit problems in the recent past.
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