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If you have been refused for credit due to poor financial decisions in the past while applying for an auto loan, a mortgage or a credit card, then it’s time to repair your credit score. Credit score is defined as the credit history for a certain period of time. So, if you start handling your credit in a more responsible way, then it changes as new information is added to the credit report. Here are some ways to repair your credit score. Just have a look!
On-time Bill Payments
If you haven’t been paid on-time bill payments before, then it’s the time to change this habit. You need to schedule auto-payments as it assures you will never be late again. No matter what you have done in the past, it’s never too late. Get current and stay current. When you pay on-time, it will update positive information on your credit report.
Review Your Credit Report
It’s another important step when it comes to bad credit. You have to closely review your credit report as errors happen. Here’s how you can assess your credit report;
Pay Off Your Debt
Now another thing that helps to repair your bad credit is by paying off your debts or clear outstanding balances right away. The debt-to-credit ratio is being calculated by comparing the total reported debt by the total credit available and if these numbers are too close, then your credit score can suffer. Consolidating debt onto one lower interest cards would be a bad idea. Your credit score drops due to the credit inquiries and opening new credit.
Use Credit On A Regular Basis
You should use the credit on a regular basis, so creditors can update your credit report with the latest information. I know it’s good to use a debit card or cash in order to keep up a budget, but such lifestyle doesn’t help much in improving your credit score. A simple and easy way to use credit is with a credit card. If you already have a credit card, then start using it responsibly. If you have a long credit history, it would also be a positive determining factor in your credit score. So, activate your inactive cards right now to get benefited.
Keep An Eye On Your Credit Report
Last, but not the least, you have keep an eye on your credit report to know whether your hard work is paying off or not. You should monitor and keep tabs on account activity. And if, in case any fraudulent activity happens, you’ll get to know it on time. You can also go for credit repair services that usually charge a little amount to examine your credit reports and scores.