How to fix your credit score and maintain good credit

One of the most frustrating things is watching people get out of debt but then get back into debt. Sometimes we know what is bad for us, but we do it anyway. The next thing you know, there are collectors calling around the clock.

How can you fix your credit score and keep that healthy credit rating going forward? It’s not rocket science, but it can seem like that sometimes. So let’s break it down.

Here are some things you can do to keep your credit score healthy and not get into debt:

Payments: Always pay your monthly bills on time. One of the main reasons people go back into debt and have bad credit is because they miss one payment and then feel like they may lose another. This is not a good strategy for a healthy credit history.

Stay up to date with your payments: It happens that a payment is missing. Maybe you had some time off from work; perhaps a family emergency arose. Now you don’t have the money and you don’t make a payment, but the next month you get back on track. The important thing is to get back on track and stay there.

Pay on time: Paying your bills, but paying them late? Many times your credit score will be damaged beyond belief simply because you refused to pay on time. Consider paying your bills with your first paycheck after it is due, not before it is due. Just a few late payments can destroy all the hard work you put in to get that healthy credit score.

Collections: Whatever you do, don’t let a collection agency hook you again. A bad debt that is sent to the collection agency will stay on your credit report for 7 years. That means that for 7 long years you will have bad luck when it comes to loans and you will always pay more than the other. Don’t let this happen, pay your bills on time!

Communication: Are you having a hard time staying above the water? When you know that an invoice is not going to be paid, calling or emailing the company or creditor is always a good idea. And if you are now in debt, contacting the creditor directly is much better than sending a collection agency to find you.

Examine your credit reports for accuracy: It is quite extreme to pay for your own mistakes; You don’t have to be punished for someone else’s. Check that your credit reports accurately reflect your obligations and installment history.

Set up installment updates on your invoices: Paying on time, also called payment history, means 35% of your credit score.

Stop using your credit cards as much as: This is an alternate method of saying live within your methods. As long as you have your credit card obligation under control, it is a good idea to rely predominantly on a large and hard exchange to make the money request pay off some of your obligations. Get a protected credit card if you have to build your credit history. Secured credit cards work like check cards.

This list is by no means exhaustive and there are many more issues that could directly affect you.

If you have credit problems at this time, please contact us. We have worked with people to get their lives back and we are ready to work with you and your creditors to get yours back.

Call 1-844-674-4488 or email [email protected] today to change your credit score.

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