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Repairing Your Credit

Repairing a damaged credit score may seem like a lonely, uphill battle. The truth is, you’re not alone. Millions of Americans have a history that makes getting credit nearly impossible. Although you may feel like your score may never improve despite your hardest efforts, there are a few steps you can take to give your lackluster score a makeover.


Here are five tips to help you improve your financial standing. After all, the better your credit score, the lower your interest rates and the easier loans, like home mortgages, are to get.


Cash America Blog Repairing Your Credit

Tip 1

First, become aware of how often you are using your credit cards. Try to limit your monthly spending to less than 25 percent of the card’s limit. Focus on widening the gap between balance and limit; it helps lenders feel secure about your ability to repay.


Tip 2

Next, find out where you stand. Request your reports from the three big bureaus. Dispute any incorrect information; give special attention to late payments and collections. You will be surprised at how successful you can be, especially with older or smaller accounts. Also, forego applying for new credit for a while; too many applications can have a negative impact on your score.


Cash America Blog Repairing Your Credit

Tip 3

Your payment history accounts for more than one third of your total credit score, so making those neglected accounts healthy will have a huge impact. When you must charge, use an old card. The older your history the better and you’ll keep those older and inactive accounts from falling off the radar.


Tip 4

Speaking of history, if you’ve been a good customer, don’t be afraid to submit a written request for a goodwill adjustment. This may result in nothing, but you may get a late payment erased and that’s worth your time.


Cash America Blog Repairing Your Credit

Tip 5

Lastly, and I know most off-putting, call your creditors. Many of them have programs that will reduce your payments.


Remember, your history wasn’t made overnight and it won’t be solved overnight. Set small goals along the way and be proud of every accomplishment.



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