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Question By
naryacare

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How can you request that a bank restore your credit?
Has anyone had any luck requesting that their credit score be restored? I could not make the minimum payment for 3 or 4 months on one credit card (all other accounts are always on time) so my score took a hit. Who is the best person to request restoring my score?

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Only YOU can improve your score.

There is no way your score can be "restored" to what it was before you missed the payments on that credit card.  You can rebuild it by making sure all payments (and do set a goal to pay all cards in full or at least double the minimum payment every month) are on time or even a bit earlier.

Paying only minimum payments costs you in interest when your goal should be saving money.  Make your payments as large as possible so the cards will be paid in full quickly.

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