Unveiling the Secrets to Fast Credit Repair
Bad credit can hold you back financially, but knowledge is power when it comes to credit repair . Understanding how to quickly fix your credit score gives you an advantage. Follow these insider strategies to see results sooner. Regularly Check Credit Reports Pull your credit reports from Equifax, Experian and TransUnion every 4 months. Scan for: Late payments, collections or other negative items Accounts that aren't yours Outdated personal information Dispute inaccurate, fraudulent or outdated information. This can boost your score quickly. Pay Down Revolving Balances High credit card balances relative to limits (high utilization) hurts your score. Pay down balances to: Less than 30% of available credit limits Even better is less than 10% Lowering utilization immediately improves your credit standing. Become an Authorized User Ask a friend or family member with good credit to add you as an authorized user on a long-held credit card. Their positive history gets reflected on your cre...