Be Persistent Be Patient
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 improve.
Repairing your credit also takes patience. Depending on your credit history, it can take a year or longer. For example, how quickly you can bring past due accounts current, your credit mix, the age of your credit, and other factors will all affect the time it takes to raise your score. Don’t be discouraged if things take longer than you expect.
We’ve talked about five specific steps in this guide:
- Examine your credit report.
- Dispute errors.
- Address accounts that are past due.
- Bring down high balances.
- Build new credit.
If you follow these steps, as well as the other suggestions regarding healthy financial behaviors, you’ll see your credit score rise.
As your score rises, other opportunities will open up to you.
So, do the work and be patient as you go. You’ll be glad you did!
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