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Elenadonayre

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How fix my credit

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Is it broken? Seriously, you are implying that your credit is broken. Is it? Or is it simply your history that you made of it? It might be broken, but it might be you that is broken.

If your credit is broken then fix it by going to annualcreditreport.com and obtaining one or more of your actual credit reports from one of the big three credit bureaus. Scan it carefully for errors and items that are not yours. Dispute anything that appears in error. That will fix your credit.

To fix you and your credit habits follow these simple rules:

  • Pay your bills on time.
  • Reduce your debt to less than 20% of your total credit limits.
  • Do not cancel credit cards.
  • Do not apply for unnecessary credit cards.
  • And using leverage from your good payment history, request credt increases from existing cards, but don't use it.
  • Don't allow companies to cancel cards for non use. Use them occasionally.

Time will improve your credit score if you follow the above. But you have to get on a budget and stay on it to do this.

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