Pay current loans and cards
before 30 days elapse and if you can't, then call creditors and agree to terms
of payment help to build credit.
11 things that help fix my
bad credit history or poor credit history online totally free
- Pay down balances to less than
79% of your high credit limit across all reported lines of credit. 30%
is the best ratio, but anything over 79% and your score will drop.
- Always try to negotiate credit
help before you settle or pay past bad credit off in full. Ask for
favorable updates with no new dates, removal of late payments, removal
of all information, or anything you can before you make your payments.
The #1 credit mistake is, asking for updates or removal "after" making
- Dispute any and all errors on
your credit report by certified delivery mail. Errors are things such as
fraud, unfamiliar, mistakes, incorrect balances, paid off in full, never
late, not yours, duplicate entry, incorrect dates, included in
- Mail credit disputes with
delivery confirmation and use next day air for faster and confirmed
answers and updates. Send copies of any evidence you have to support
- Keep at least 3 - 6
lines of credit open that report to bureaus. These lines of credit must
be rated (open for 12 months minimum) and reported (to a major bureau).
The #2 credit mistake is, failing to keep open 3 to 6 currently good and
rated lines of credit like credit cards, car loans, home loans and
personal loans that are for sure reported to Experian, Transunion or
Equifax. Use these accounts to generate activity and keep the balances
- If you are negotiating,
disputing, settling and working on your credit, then you should be
monitoring results. Get credit report monitoring for 3 - 6 months or
however long it takes to get your work done. You have to stay on these
creditors and bureaus as up to 50% of all credit reports have errors
enough to get you denied credit or rejected for a job or car insurance.
- Make sure, no payments, are even
one date late, when you check your report. Most people have no idea that
if you pull a credit report when you are 1 day late on a payment your
score will be lower that day. Then if you make the payment the next day,
and check your credit, your score will be higher than it was the day
- If you make your payment sooner
than 30 days past the due date, then your credit will not be negatively
affected in the long run. Your score will be lower if you check it while
you are late. but if you made 12 payments, within 25 days of the due
date and paid the account off after 12 months, then your credit will
look as if you have made perfect payments for 12 consecutive months.
This is one of the most over looked aspects of free credit help. Do not
try to use this, but realize your credit score is not affected by
payment that are a couple of days late over then long haul.
- Credit updates or dispute
inquiries take 30 days. So it is important to keep a watch on your
credit report online to make sure the updates happen and your credit
scores get better. Almost any credit score will raise to 640 - 700 in 2
years with current good open credit and no more new bad credit.
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What does the best credit report look like:
2 addresses in the last 7 years. Stable the last two.
jobs max in the last 7 years. Stable the last
3 - 6 lines of credit that are 7 years on the books with less than
80% owed and no late payments.
1 or maybe 3 home loans in the past 7 years with 7 years of perfect
1 or maybe 2 open car loan with 2 - 5 years on the books with no
1 gas card that shows 4 - 15 years on the books.
1 major credit card with 4 - 15 years on the books
A couple of paid off car lines of credit that are closed. Like a
0 - 6 'I signed for" "asking for credit" credit inquiries in the
last 2 years.
Be reminded that if, I have all the things listed above but, my
credit shows some late payments, or even a bankruptcy (that are older
than 2 years), then my credit scores fico scores, beacon scores, could
still be in the 700's if I have good open credit. So always get and keep
good lines of credit open, current and active.
Realize that a stable working income and budgeting are the best
cures for a bad credit history or past poor credit history. If I cannot
pay my bills, loans and credit cards because I lost my job, then I have
to find other job fast and try to make it a keeper, so I can be stable
and have good credit. If some other catastrophic thing happens "beyond
my control", I have to hold my head up and realize I am not my bank
account but a reasonable, live human being. So I call and tell creditors
why I cannot pay, hope for help and keep plugging till something good
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Extra credit help tips
- Make sure all credit history files included in past bankruptcies show up on my credit history report as zero
balance and included in bankruptcy.
Put credit fraud alerts on credit history reports totally free,
that have potential credit fraud, due to identity theft, stolen credit
cards or even a stolen wallet, purse or pocketbook.
Not all bad credit can be helped legally. Companies cannot get a
new credit identity legally. New identities are
scams and illegal!
Helpful free credit help websites
FTC Consumer credit counseling Money Management Home Buying Institute
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Get TOTALLY FREE credit scores. Fix credit free with my free credit help letters and advice to fix and boost bad credit scores
You must have 3
- 6 lines of
good credit to
medical bills do
not build a good
credit report or