How Did I Raise My Credit Score in Less Than a Year?

I get asked a lot about how I managed to raise my credit score so quickly. Many people have been struggling with a bad score for years, while others have only recently fallen on hard luck. Whatever your plight, I want to share my success story with you so that, in the future, you’ll be able to quickly and easily remove the barriers standing between you and a credit worthy status.

Gathering Data

When it came time to start boosting my credit score, I needed some data. The best way to get that data is to ask for your free reports from the three major reporting bureaus. Each one is legally obligated to provide this information once a year. If you have trouble understanding your report or see things that don’t make sense, there are attorneys who specialize in analyzing credit reports and helping you fix errors on them.

Fixing Old Errors

To raise my credit score, I needed to fix errors that were on my report. There were a few small errors that I had seen many times before and never gotten around to disputing, and then there were a number of newer issues that were detrimental to my credit. One such issue was a card with a four figure limit that was being reported as having a $400 limit. The wrong reporting resulted in it seeming like I was much closer to my balance limit and that I did not have as much available credit as I knew I did. Errors like this can have a huge impact on your current score, but can go unnoticed for months or years. If you catch them, they should be easy to fix.

Handling Current Debt

Finally, it is important to deal with whatever current debt you have. Whatever errors there may be on your report, the single greatest thing you can do to fix your credit is to reduce the debt load you hold. Having thousands of dollars in credit card debt is a situation that will not only make it harder to get more credit when it is needed, but that can result in a great deal of payments each month. And with high interest rates and long repayment terms, it can be extremely hard to fix the problem unless you take hold of the reins and start paying down that debt.

There are a number of ways to fix a bad credit score. I have only scratched the surface of what is possible. If you are willing to put your nose to the grind stone and work hard to protect your good name, credit report issues do not have to be a problem. Whatever your situation, know that you’re not alone and you don’t have to remain in the hole you’re currently in. There are paths back to credit worthiness. Just get out there and start looking.

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