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Ivoryona

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Help repairing my credit.
I want to repair my credit report but don't know where to start. I need a financial advisor bad.

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The first step in repairing your credit is determining if it is actually broken, or if your credit history is accurate and you are simply a bad credit manager.

Obtain your free credit report from annualcreditreport.com and analyze it carefully for errors. If there are errors then your credit is actually broken. Fix it by disputing all errors to the bureaus and getting the information in error off your report.

If the data is correct and you just have bad credit then you are simply a poor credit manager. Follow these simple steps.


  1. Stop spending unnecessary money.
  2. Set a budget and stick to it.
  3. The budget should include paying much more than minimums on all credit accounts.
  4. Do not apply for additional credit.
  5. Do not close any accounts.
  6. And, PAY YOUR BILLS ON TIME!

That should repair the poor credit manager in you.

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