Tip #1 Get A Secured Credit Card
Bad or no credit, a secured credit card can be valuable for someone who wants to fix or establish their credit
Tip #2 Add An Installment Loan
Having different kinds of credit (credit cards and personal loans) and making payments on time will increase your score greatly.
Tip #3 Check Your Limits
Some issuers don't report consumers' credit limit accurately on your report and it might appear that you are overdrawing your credit card.
Tip #4 Pay down Your Credit Card
Lenders like to see a big gap between the amount of credit you're using and your available credit limit. Try keeping your balance below 30
Tip #5 Keep Them Old
The older your credit history is , the better. Keep credit accounts that you've historically paid on time.
Tip #6 Check Your Credit Report Yearly
Mistakes happen, it is likely that your report might have one. Request it once a year for accuracy.
Tip #7 Dispute Old Negatives
Send a letter to the credit bureaus disputing your negative accounts or simply sign up for our credit repair services to save you the hassle of contacting the bureaus.
Tip #8 Request A Quotation Search
Next time you're shopping around for credit, ask the lender for a quotation search. It will not impact your credit score as much as a credit application would.