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Do it Yourself Credit Repair

Four ways to reach your credit score goals.

It is our goal to help you reach your goals.

Use the following tips to help you raise your credit score and learn to manage your credit responsibly:

1. Get Copies of Your Credit Report
By obtaining copies of your credit report, you can check to make sure all the information is accurate. There are authorized online resources you can use to run a free credit report.

2. Pay Your Bills on Time
If there is only one thing you can do to improve your credit score, it’s paying your bills on time. Some ways to ensure you pay off your bills in a timely fashion are to set up automatic payments from your bank or use online banking. Just be sure you have enough money in your account to avoid any overdraft fees.

3. Learn How Credit Scores are Determined
Credit scores are determined by a set criteria. Some of the things that can impact your credit score include:

  • Paying bills on time
  • Outstanding debt
  • The length of your credit history
  • Recent credit applications
  • Amount and types of credit accounts you have

4. Learn the Legal Steps to Improving Your Credit Score
The Federal Trade Commission is a valuable source of information on correcting any errors that may be present in your credit report. You can also find information on dealing with debt and avoiding scams.

Sometimes, the best way to repair your credit is on your own.