The drive to pursue credit repair comes naturally to most people, because better credit scores mean access to more things and saves lots of money. Attempting to repair credit can look like a long, arduous journey. However, there are some tips that can make the trek a much easier travel than might be imagined.
Ask a someone close to you if they can make you an authorized user to one of their accounts. Make sure it’s an account with a low balance compared to its limit, a perfect history of payments and it should have been open for at least a few years. As an authorized user, the history of this card will become part of your credit history.
Order a free credit report and comb it for any errors there may be. Making sure your credit reports are accurate is the easiest way to repair your credit since you put in relatively little time and energy for significant score improvements. You can order your credit report through companies like Equifax for free.
Obtain a copy of your credit report at regular intervals, and maintain a careful watch for agencies to report your repair efforts. If you are clearing up negative issues on your credit history, monitoring your report allows you to verify that agencies are correctly administering information on your status and that additional negative reports are not being made.
Report older negative items even if you know they are correct. If you report an item, the agency will contact the owner of the debt to confirm that it is an accurate debt. Many agencies either do not have the time to respond or no longer have the records available. It’s worth the time to see if you can get these removed.
As mentioned earlier in this article, the pursuit of credit repair is a process that can take a long time. However, if you apply the advice given in this article, the journey can start now with effects that manifest in coming days. Follow these tips for a simple and solid start to restoring your credit score today.