Essential Steps to Repairing Your Credit

Most people say that they will fix their credit problemsGood or Bad Credit soon. But oftentimes they never get to start at all. They may think about calling a credit repair service to help them but they aren’t sure what to look for in a good credit repair company, so again they do nothing.

If you decide to repair your credit problems, then you need to act now. Successful people are those who actually take action. Here are some steps you can execute to fix your credit today:

  1.   First, understand what how much work your credit actually needs. Order your credit report. There are many services online that will allow you to do so. Try to get all 3 credit reports so that you know what is on each report.
  2. Be realistic. Know that your credit score will not be fixed over night.  Although if your credit score has dropped because of excessive credit card use,  you will see an amazing improvement to your credit score as soon as you pay your debt down to the point that you are using less than 35% of your available credit.
  3. Before asking credit repair services for help, make sure that you’re up to the challenge. Identify your long term goal and aim to improve your credit on a daily basis. It’s even better to write down your goal so you have a visual reminder.
  4.  Put together a plan, small steps that will lead to your goal. You have to lay one brick at a time to build a wall. In the same way, you need to have a step-by-step process to repair your credit.
  5. If you are working with a credit repair company they will give you a timeline.  If you are doing it on your own,  be aware that it can take 6 months or longer before you start to see results.
  6. Write your plan in a spreadsheet or chart to track your progress. Treat this plan as a compass and don’t deviate from it. Once you break away, it will only be a matter of time before you end up right back where you started.Related Post: How to Find the Right Credit Repair Services
  7. If you need motivation in following the designed plan of your credit repair service, then try sharing to other people. Knowing that a friend or family member knows about your plan gives you accountability and extra will to succeed.


  1. I think that the best way to get a good credit score is to never get into any debt in the first place. However, as someone who has had a less than perfect score in the past, I wish I had these tips then as the process would have been significantly easier.

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