If you have poor credit, this can stop you from getting the things you want. This includes buying your dream home or even renting a car. You may wonder how to fix a bad credit score if yours is damaged. Here are a couple of tips.
Before addressing the issue of how to fix a bad credit score, you need to know where you sit. Check your credit score and report. You can do so for free using some credit card providers or scoring websites. When you check your credit, your score will not be damaged since this only requires a soft credit inquiry.
The next thing to do is fix any errors that you may see. You can dispute errors with credit bureaus. It is likely that they will be removed, which will improve your score.
Make sure you pay your bills on time. Around 35% of your credit score has to do with your payment history. Even if you only make the minimum payments on credit cards, doing so on time each month will improve your credit. Consider using auto-pay to prevent you from forgetting to make your payment.
Try to attack debt as quickly as possible. The goal is to improve your credit utilization ratio.You may need to get professional help when fixing a bad credit score. There are companies out there that can help people improve personal credit or business credit.
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