How to Repair My Credit and Improve My Score

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Unfortunately, there is no magic quick fix for repairing credit, and improving your FICO credit score. It has to be done over time, and managed responsibly.  Beware of any advice that claims to improve your credit score fast, quick fix efforts are the most likely to backfire.  If you have a history of bad credit, you need to repair that first, before you see credit score improvement.  Follow these tips to start repairing your credit.

Check Your Credit Report

First step to repairing credit, check your credit report.  Request a free copy of your credit report, and review it for errors.  Check for late payments incorrectly listed for any of your accounts, and that the amount owed for each of your open accounts is correct.  If you find errors, you will need dispute them with the credit bureau and reporting agency.

Set Up Payment Reminders

credit cards Making your credit payments on time is one of the biggest contributing factors to your credit score. In order to avoid this, set up payment reminders, or set up payments on auto-pay.  You have so many options for making payments online, you should have no excuse for a late payment if you are monitoring your bills like you should, when striving for credit repair.

Reduce the Amount of Debt You Owe

This is easier said than done, but reducing the amount of money you owe is going to be far more satisfying than just improving your credit score.  The first thing you need to do is stop using your credit cards!  Shred them if necessary!  If you can’t afford it in cash, you don’t need it.   Use your credit report to make a list of all of your accounts.  Then go online and, or check your most recent statement, to determine how much you own on each account, and what the interest rate is.  Design a payment plan that puts most of your available budget towards the highest interest cards first. Just make minimum payments on your other accounts.  Call each account and let them know you are working on a plan to pay it off, and can they help you with a lower rate?

Realize this process is going to take time, but every payment you make (on time), gets you one step closer to repairing your credit score and improving your FICO credit score.

For more advice on credit repair, and to view the full article from, visit


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