How to Fix Your Credit Score Yourself

Chat Box

How to Fix Your Credit Score Yourself

Off-White Arrow
White Twitch

To a creditor, our credit is who we are, good or bad. It’s your credit and you can fix it yourself. It just requires some time and effort.

HOW DO I KNOW IF I NEED TO REPAIR MY CREDIT?

You need to be as vigilant about your credit reputation as you are about your personal reputation.

YOUR LEGAL RIGHTS

You’re entitled to get a free copy of your credit report from each of the three major credit bureaus once every 12 months.

START BY KNOWING  YOUR CURRENT STANDING

Start by requesting your free, once a year credit report from all three bureaus.

DISPUTE ANY CREDIT ERRORS

Once you have the reports you may see that one reports something that the others don’t have, good or bad.

HOW TO DISPUTE A CREDIT CHARGE

If you see a charge that you didn’t incur, or you don’t think is yours you can dispute that, as well.

EXPLAIN LATE PAYS OR ISSUES

When a creditor pulls your report(s) to see if you’re a good risk for them, they see a similar report to what you received.

Chat Box

More from Saving Dollars & Sense

Ways to Avoid Foreclosure & Get Out of Debt Fast

Simple Steps To Tackle Debt