Are you tired of experiencing the negative results of living with a low credit score? Are you sick of being hounded by collecting agencies or missing out on new opportunities because you can’t qualify for a loan? Repairing your credit score might seem like an overwhelming obstacle to face, but getting started on your path to a positive score is easier than you might think. You could soon be experiencing the relief and peace of mind that comes from achieving a positive credit score. So if you want know how to clean up your credit score, here’s a few helpful tips.
Work on Your Credit Utility
Your credit utility is a large factor in how your credit score is determined, which makes it an important area to target in any approach to serious, comprehensive credit repair. Credit Utility is a term that simply represents how much credit you are using compared to how much credit is available to you. If you have high credit limits, for instance, but also have a large amount of outstanding debt, your credit utility will be worse than if you had lower credit limits with little or no debt. This means that if you want to know how to clean up your credit score through maximizing your credit utility, you will want to pay down your debt while also trying to find new ways of opening new credit. This means that, while it may seem counter-intuitive to somebody trying to eliminate their debt, it’s better to keep your credit cards open after paying them off, and it will be worthwhile to extend your credit limit if at all possible, as long as you don’t also increase your spending. This is a two-pronged strategy that can bring substantial results in the long run, and it also brings us to our next tip:
Stay Current on Payments
This is the most basic way to clean up your credit score, so we won’t spend a lot of time on it. As much as one third of your credit score is determined by your payment history, which includes late payments and overdue accounts. If you want to save yourself from incurring substantial damage to your credit, try to always make at least the minimum payments on all your outstanding debts. Simply put, try not to keep debt on too many different lines of credit and always pay on-time.
If you really want to know how to clean up your credit score, it’s time to contact the credit repair experts. Having an experienced company help get your credit repaired is the quickest way to get substantial results on improving your score. Your credit report is generated by one of the three credit bureaus, Equifax, TransUnion, or Experian, and a large majority of credit reports contain errors or inaccuracies. Under the Fair Credit Reporting Act, you have the legal right to dispute these errors with the bureaus, which can result in the removal of negative items from your report, including late payments, tax liens, repossessions, foreclosures, and other potentially damaging items. The Credit Gal, Darbe Nokes, has had years of success in helping clients improve their scores through credit repair. Her company has disputed hundreds of thousands of negative items to the credit bureaus, resulting in nearly 700,000 items removed from clients’ reports. If you’re serious about cleaning up your credit score, then it’s time to call the Credit Gal and repair your credit today! Call now for a free consultation with the credit professionals: 877-717-0213