Section 6 Be Persistent Be Patient
Be Persistent Be Patient Downloadable Materials Rebuilding your credit is a process that requires persistence and patience. You must work persistently to dispute incorrect information, catch up on past due accounts, pay down high credit balances, and build new credit. If you’re not willing to put in the persistent work, your credit simply won’t […]
Section 5 Healthy Financial Behaviors
Healthy Financial Behaviors Downloadable Materials In addition to knowing how to repair and build your credit, it’s also important to implement healthy financial behaviors. If you don’t have healthy financial behaviors, you’ll end up sabotaging your efforts to repair your credit. Keep these items in mind as you continue to build your credit score. […]
Section 4 Other Tips For Building Solid Credit
Other Tips For Building Solid Credit Downloadable Materials In addition to getting a new credit card and using it to build up your credit, there are a number of other specific tactics you can use to raise your credit score. Try these strategies: Team up with someone who has good credit and a […]
Section 3 Step 5 Build New Credit
Building A Better Credit Profile Downloadable Materials When it comes to repairing your credit, there are two sides of the coin. On the one side, you want to eliminate as much negative information as possible. This is why you tackle things like past due accounts and high credit balances. On the other side, you […]
Section 3 Step 4 Bringing Down High Balances
Bringing Down High Balances Downloadable Materials After your payment history, your credit utilization is the second highest factor in your overall credit score (about 30% of the total). Remember, credit utilization is the percentage of available credit you’ve used. For example, if you have $5,000 in available credit and you have a total balance […]
Section 3 Step 3 Address Past Due Accounts
Addressing Past Due Accounts Downloadable Materials The biggest factor in your credit score is your payment history, making up 35%. This means that if you have multiple past due accounts, your credit score will significantly suffer. So, after taking care of any errors on your credit report, you’ll want to start working on past […]
Section 3 Step 2 Disputing Credit Report Errors
Section 3 Step 2 Disputing Credit Report Errors Downloadable Materials The next step in repairing your credit is disputing any errors on your report. If you think that any information on the credit report is incorrect or incomplete, you have the right to dispute it. Credit disputes can be made online, by phone, or […]
Section 3 Step 1 Examine Your Credit Report
Examine Your Credit Report Downloadable Materials The first step in repairing your credit is to know exactly what’s on your credit report. Your credit report contains everything that affects your credit score, including all the things pulling your score down. Yes, it may be painful to take a long, hard look at your credit report. […]
Section 2 Understanding Your Credit Score
Understanding Your Credit Score Downloadable Materials Before you can begin to repair your credit score, it’s important to understand what factors affect it. Many people don’t realize that there are a number of specific things that affect your overall credit score. If you don’t pay attention to all of them, you can unknowingly hurt your […]
Section 1 Credit Repair Course Intro
Taking Charge Of Your Credit Score Downloadable Materials Good credit is critical. Banks won’t give you a loan if you have a bad credit score. Credit card companies will reject you and insurance companies may charge you a higher rate. If you have a low credit score, the utility company may require a security deposit […]