Learn How To Fix Your Credit Quickly

When it comes to repairing your credit there are no short cuts available to get the job completed overnight, but there are several things that you can do in order to speed up the process and help achieve a higher credit score in a shorter period of time.

The first thing seems so simple yet some people still do not do this; pay your bills on time! If you are taking the time to fix your credit then do not offset any positive gains by not paying your obligations on time. Every late payment just damages the credit score more and will make it very difficult to see drastic improvements in your credit. In our service agreement we state that any client that enrolls in our service must agree to maintain current payments on all current open accounts. We know how to fix your credit, but if accounts become delinquent during the process it will be very counter productive.

Secondly, try to pay down all revolving accounts such as credit cards or department store cards. If you are carrying a high balance in relation to the credit limit this will have a negative impact on your credit scores. As a rule of thumb, you want to try to stay below 20% at all times; this will ensure that you are not penalized for carrying too heavy of a debt load compared to the total available credit. This is often referred to as the utilization ratio, and contributes to a significant percentage of the credit score.

Finally, to get a sizeable credit score boost you can ask friends or family members to add you on as an authorized user to a couple credit cards. This will give your credit profile a healthy boost as long as the card has some age to it along with a perfect payment history. The entire history of the card will be placed on your credit, so it is important to make sure that there have never been any late payments and you want to find cards that are at least a couple of years old. Also, going back to the utilization point from above, you want to make sure that the cardholder keeps a very low balance, or even better yet, find cards that are paid off in full each month. If the cards you are added to carry a high balance it will affect your utilization rate and have a negative impact.

So, in addition to the credit repair services that will be provided to you, there are things that you can also do at the same time that will help greatly in improving your credit scores in the shortest amount of time possible. To view all of the programs offered click here and navigate to the Enroll Now page. If you are ready to start, simply follow the online sign up instructions; it is as simple as that. Once completed, the credit repair process will begin and your only responsibility will be to send in the credit reports that you will receive in the mail each month. If you have any questions feel free to call in and speak to a credit expert today.