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Have you ever applied for a credit card and gotten declined? Most likely it’s because of your credit score. I’m sharing 3 Credit Repair Tips that can help you increase your credit score.
3 Credit Repair Tips To Increase Your Credit Score
First, let me say that there is no judgment coming from me. I know first hand how difficult it is to maintain a high credit score when unexpected circumstances hit us in life. When I was first diagnosed with breast cancer I didn’t realize the huge amount of medical bills that I would be receiving. Especially since at the beginning, we were paying for independent health insurance, which was pretty much a mortgage payment on its own. Once I began treatment my work died down and I couldn’t keep up, which meant I couldn’t’ help my husband pay the bills.
We had to make some tough choices on which bills were to be paid on a monthly basis. For us, that meant making sure our mortgage, electric, water, and grocery bills came first. All of my credit cards, school loans, and medical bills would have to be put on the back burner until we had extra money to pay for them. So as you can see, I’m sharing these tips from experience and hope that it relieves some stress that life sometimes happens and we do our best with the decisions we need to make.
What Is A Credit Score?
Before I share with you 3 tips that can help credit repair let’s talk about what a credit score is. Because you can’t repair your credit if you don’t know exactly what you are repairing. A credit score is a number that determines your ability to borrow money or your creditworthiness.
Credit scores usually range from the 300’s to the 800’s. Basically, the higher your number, the better your credit score is and the more likely you are to be able to borrow money. Whether it’s a credit card, a car loan, and even purchasing a home.
Work With A Credit Repair Company
One of the things that I wished I had done from the beginning was to work with a credit repair company like Lexington Law Firm. Companies like Lexington Law Firm make sure that you are getting a fair, accurate, and substantiated credit report. They know the law and know exactly how to make sure that clients like me are shown how to navigate their credit score. Plus, with them having knowledge of the law I know they will be fighting for my rights to good credit.
Plus, with them being the oldest and most respected name in credit repair says a lot about their reputation. They even offer packages that meet every client’s needs, starting at just $24.95 per month. Perfect for those who are trying to fix their credit score.
Pay Off Your Credit Cards
One of the biggest ways that have helped my credit score is paying down all of my credit cards. This was a huge step since being diagnosed with breast cancer a few years ago. You just don’t realize how much falling behind on your credit cards can really affect your credit score.
My biggest advice with this is to call your credit card company and arrange a payment plan. This will not only help you pay your debt down faster, but they see that you are committed to paying off your credit cards. Keep track of what you owe and what you are paying. By doing this we were able to purchase our new home
Double Check Your Credit For Errors
Did you know that every year millions of Americans are denied home and car loans due to errors in their credit reports? Well, I know this to be true myself as well. When I was younger I was denied a car loan because of a credit error affecting my scoring. Once I figured what the errors were it took a few months to finally get it fixed.
Keeping track of your FICO® Score a pioneered credit scoring system which uses a proprietary algorithm that takes into account one’s credit files across credit bureaus like Equifax, Experian, and TransUnion is important. Your FICO score is what lenders will look at when deciding if you are given credit or not.
Because of the long-standing relationships that Lexington Law Firm has with all three of the credit bureaus, they know exactly how to get these errors removed and are able to communicate more routinely and efficiently for you as their clients.
Credit Repair = New Home and Dance Classes For My Daughters
These credit repair tips have helped my family and I be able to finally purchase our dream upgraded home! Plus, still, have the funds to allow our youngest daughter to dance competitively. Sometimes we don’t realize how important our credit score is until life moments like these come along.
I hope these credit repair tips truly help repair your credit when unexpected life situations happen. The important fact is that you try your best to repair it as soon as you can. That credit score number is important and everyone deserves a chance to repair it. Make sure you contact Lexington Law Firm and let them help you create a no debt future!
Could you use some help with credit repair?