Credit Repair Assistance FREE 

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There is no quick fix.

 A higher credit score can allow you some forgiveness on issues underwriters may have.

Most of these ideas could help your credit score in about 30 to 60 days.

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Below are some ways to Improve Your Credit scoring but not limited to:

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1.) Get a copy of your credit report and look for incorrect information.

About 1 in 5 people have incorrect issues on their credit report. If you find issues that are false dispute it in writing.

Removing negative issues will help you obtain a correct score.

2.) Write a letter to your credit bureau.

If a letter doesn’t work, contact the company reporting a late payment to ask if a payment was incorrectly reported or if you simply forgot a bill when you’re usually 100% on time, you may be able to get the late payment removed.

3.) Stop using your credit cards

Lower your spending and increase your credit. Your credit score is largely determined by the amount of dept balance compared with your credit limits. Spending around one-third of your credit limit is the recommended credit line. Alternatively, you can request an increase in your credit or open a new card as a way of increasing your credit-to-spending ratio, but this is a risky move if your spending doesn’t slow down. Watch your LIMITS.

4.) Don’t apply for multi sources of credit in a short time

Each time you request a new form of credit, including car, house, credit cards etc. Too many inquiries in a short time and credit bureaus will ding your credit score for a lower number.

5.) Settle late payments — then automate your payment schedule.

Credit bureaus count a late payment starting from the first day of your last late payment, so the sooner you can square the bill, the better. This is particularly true if you can pay off past-due debts before they reach the 30-day, 60-day, or 90-day thresholds. It’s scary to confront the financial challenge, but it’s doable.  Choose Automatic payments when possible. Never be late.

6.) Renting is one of the best ways to build your credit score. Don’t be late. Keep payment records on your own. Via banking statements or verified receipts.