Yes, we all know that credit repair can take time, however there are a few quick actions steps you can take right now to improve your credit score.
- Check Your Credit Report
The first step in credit repair begins with your credit report. If you choose to have a free credit consultation with us, that’s where we’ll begin, or you can sign up and get a free report through www.creditkarma.com.
If you haven’t already, request a copy of your credit report (it’s free and doesn’t affect your score) and check it for errors. You want to make sure there are no late payments listed incorrectly and that the amounts owed are correct. If you find errors, that’s the time to dispute them, and we can help with that.
- Make Timely Payments
Timely payments make up the biggest percentage of your credit score (35% of your score is weighed in this area). So, we would suggest that you either set your payments up on autopay or set a reminder for yourself to pay them. This will begin increasing your score immediately.
- Reduce Your Debt
This is one of the most challenging, but when you pay down your debt, it will not only create peace of mind for you and reduce your stress, but it will also increase your credit score. This is the second biggest factor to improve your credit score. We suggest that you make a list of all your accounts and what you own, then set up a budget payment plan for yourself. Pay down the highest interest cards first while maintaining timely payments for the others.
Taking these simple three steps will go a long way to improving your credit score. If you have any questions about how to go about disputing claims and repairing credit thoroughly, contact us today (405)698-3948. We’re here to help.