How to Fix Your Credit:
A Simple Step-by-Step Guide
Step 1: Get Your Credit Reports
✅ Why? You can’t fix what you don’t know is broken.
✅ How? Get your reports from all three bureaus with Credit Hero.
✅ Check for:
-Wrong personal info
-Accounts you don’t recognize
-Late payments you didn’t miss
Step 2: Dispute Errors
🚨 1 in 3 reports has errors—and they hurt your score.
📌 How to dispute:
File disputes online with Equifax, Experian, and TransUnion.
Provide proof (bank statements, receipts).
Bureaus have 30 days to respond.
If you want us to help you with this step, click below to learn more:
✅ Best for: Removing unfair late payments, collections, or wrong balances.
Step 3: Pay Late or Past-Due Accounts and Set Up Automatic Payments
💡 Before 30 days late? Pay ASAP to avoid a credit hit.
💡 After 30 days? Still pay—it stops further damage.
💡 Charge-offs (180+ days late)? Negotiate a "pay-for-delete" (ask creditor to remove the mark if you pay).
⏰ Late payments hurt for 7 years!
📱 Use autopay to never miss a due date.
Step 4: Lower Your Credit Utilization and
Pay Off High-Interest Debts First
📉 Keep balances under 30% of your limit (ideally under 10%).
💳 Example: If your limit is $10,000, keep balances below $3,000 (or $1,000 for best results).
🔑 Quick fix: Ask for a credit limit increase (but don’t spend more!).
💰 Two strategies:
"Avalanche Method" – Pay highest interest debts first (saves money).
"Snowball Method" – Pay smallest debts first (quick wins for motivation).
Step 5: Keep Old Accounts Open and
Diversify Your Credit Mix or Consider a Secured Credit Card
⏳ Longer credit history = Better score.
🚫 Don’t close old credit cards—even if you don’t use them.
🔄 Having different types of credit helps:
-Credit cards
-Installment loans (car, mortgage)
-Retail accounts
But don’t open new accounts just for this!
⚠️Important note:
Avoid Too Many Hard Inquiries
🔍 Each credit application can drop your score 5-10 points.
💡 Exceptions:
Mortgage/car loan shopping (counts as 1 inquiry if done within 14-45 days).
💳 If you have bad/no credit:
Put down a deposit (e.g., $300 = $300 limit).
Use it lightly & pay on time to rebuild credit
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