How to Raise Your Credit Score: Ideas on Credit Repair
Here are some ideas how to improve your credit score:
1. You should pull your credit report, go to Experian-Experian.com, Equifax-Equifax.com, TransUnion-TransUnion.com
You can contact these companies by phone by getting their most recent numbers on their website. I would recommend just calling them by phone, email support these days with any big company is tough.
Review for accuracy on your identifying info. Carefully review your accounts and any late payments, collections, judgments other public records, are they accurate? Check your Inquires, see who has had inquiries on your account, some are just soft inquiries and don’t hurt your credit score. You are going to need to dispute errors, you can email or mail them on that. You may want to leave that up to a credit repair company.
2. Pay your bills on time, being late even just once can really really hurt your score based on how high of a score it is. You have to stay in the habit of it always being on time. a day late or two isn’t a big deal, but 30+ days late is. Online bill pay and automatic bill pay may help with this.
3. Pay down your debt, sometimes 50% balance isn’t enough, you may need that edge by getting it below 25% balance. Moving balances around doesn’t always help. Paying down the debt, get those ratios in line.
4. Don’t close credit card and revolving accounts. You need that credit history on these accounts and the available credit they provide.
5. Don’t apply everywhere for credit all the new credit and inquiries could hurt your score some.
There are books out there I’d recommend for credit repair, you can probably find more at www.RonOrr.com
Another site to check out is MyFico.com
Here is a book on credit repair
