Fix My Credit Score – With Tips on How to Clean Up Your Credit Report

    A concerted effort to clean up your credit report begins with knowledge on exactly “How to Fix your Credit Scores!”

    To start the process known as credit reports repair, type the term “fix my credit score” or ” clean up my credit report” into your favorite search engine. Conduct this search and see what pops up, and ask yourself “How do I fix my credit score as quickly as possible?”

    Why are Scores Important?

    Credit scores are very important in our society and without a positive score you might be paying higher interest rates. This is a serious thing since your credit determines so much of your life in today. Credit can effect your ability to buy a home, rent an apartment, buy a car, or even finance your new washer and dryer.

    Many people have negative items on their credit report that can be fixed. Some people don’t even realize that they have bad credit until they apply for a loan and a lender checks their credit report. Anyone who has tried to fix an error in a credit report knows that it can be a slow, tedious process. Yet some companies promise to fix credit mistakes in 72 hours or less. If you’re being offered instant credit repair directly, its almost certainly a scam. Repairing your files takes some time, but is reasonably easy. Are you ready to improve your financial lifestyle today by improving your credit history?

    Beginning the Repair Process

    Repairing credit is not a job that can be rushed. Exactly how to begin repairing it starting today. Credit repair companies can help you figure out the right pathway for fixing your credit score, but if you feel comfortable you can execute the steps on your own. So how do you know who to use for credit reports repair. If your FICO scores are a mess consider getting professional assistance. Most trustworthy repair companies in the industry offer a FREE, no obligation consultation. A Certified Specialist will work with you to create a customized plan based on your specific credit situation.

    If you need help doing this you can consult a credit repair company for just this part of the process. Professionals use a process to improve an individuals financial situation by increasing their credit scores, credit ratings, and overall credit worthiness. You’ll need reports from each of the three main bureaus – Experian, Equifax and TransUnion – to start the process. Free reports are available here: or by calling1-877-322-8228, you can also receive your free copies through the mail by mailing the Annual Credit Report Request Form.

    What’s Up with the Scores?

    FICO scores range from 300 to 850; the median score is 723. Even though Fair Isaac has published the main factors that affect FICO credit scores,many still wonder what will happen to their credit scores if they cancel credit cards or sign up for new ones. Many factors affect your FICO® scores and the interest rates you may receive. The first step would be to know exactly what your credit scores are. Unfortunately, there’s a lot of misinformation floating around about credit scores. There is absolutely no reason for you to have to struggle any more with your credit scores. The reporting system in this country is far from perfect and because of it, millions of Americans have credit scores that are not accurate assessments of their risk. Yet, most people don’t even know their scores, much less know how to make them better.

    Time to Get Busy!

    Listen, with today’s economy the way it is, having respectable credit scores are a must in our financial society. If you do nothing nothing will happen, collections, charge-offs, and late payments remain on your credit report for 7 years. Bankruptcies remain for at least 10 years. This is equivalent to your credit file serving time in financial jail. Some tips to get started:

    1. Acknowledge the problem
    2. Develope a Plan ( Get professional Help or Do It Yourself)
    3. Get Your Reports ( See link above – Totally Free)
    4. Make Decisions on Accounts ( Debt Reduction, Negotiations, Repayment Plan)
    5. Track Your Progress
    6. Stick to the Plan!


    Repairing your credit files isn’t easy, but then again it’s not brain surgery. With some effort, dedication to resolve your situation, time, and energy it can be accomplished. Listen I’m in the same boat right now, so I can feel the pain and frustration associated with bad credit scores. Right now the only difference is “I’m Doing Something About It!” Being embarrassed isn’t going help, and we can use a ton of excuses, some legit, some not. Current economic conditions do not look favorable for the immediate future, so let’s get on the ball, and make something happen! You have rights, under protection of Federal Laws to repair your credit reports, “Use Them”

    The answer to the question, “how can I fix my credit score?”, is pretty simple. When researching good credit and how to fix my credit score years ago, the number one mistake I made was i really didn’t have a clue on how to repair my own credit. This “very important” aspect caused much wasted effort and kept me from achieving good credit. Click the link below for informative articles, reviews of credit agencies, and a “Free Credit Repair Toolbox”, for joining my monthly newsletter. Make an informed decision, research your needs, and “TAKE ACTION!”

    Whatever decision you make “Good Luck!”

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