Credit Repair Tips & Tricks
Learn How to Improve Your Credit Score
A bad credit score can hurt your chances of getting a new job or qualifying for a mortgage loan. Even if you get approved for a loan, a low credit score means you’ll be paying more in interest—potentially thousands of dollars more over the life of a loan.
If you have a low credit score, there are many things you can do to improve it. Sometimes we don’t even realize that our credit report contains errors—errors that can be removed with a little determination and perseverance. Even if your score is low because of your own poor choices in the past, you can still take control of your finances and improve your credit over the long run.
Credit Repair Letters
A major aspect of credit repair has to do with writing and mailing letters to creditors and credit reporting agencies. Learn how to write credit repair letters effectively with these resources:
- How to write a credit dispute letter
- Credit dispute letter template
- How to write a method of verification letter
- How to write a goodwill letter
- How to write a debt validation letter
- How to find a creditor’s contact information
DIY Credit Repair Tips and Tricks
Here’s a helpful list of articles with general tips, tricks, and strategies for tackling credit repair on your own:
- Most common credit report errors
- Learn your credit rights
- How to raise your credit score
- Little-known factors that can hurt your credit score
- What to do in the first month of DIY credit repair
Tips for Working with a Credit Repair Company
If you choose to hire a credit repair company, use these resources to help make the most of your experience:
- How to spot a reputable credit repair company (and avoid a credit repair scam)
- Ask yourself these 4 questions before hiring a credit repair company
- Side-by-side comparison of the top 3 credit repair companies
- What is the Credit Repair Organization Act?
- How much does credit repair cost?
General Financial Health and Budgeting Advice
Here are some resources on how to maintain a good credit score, as well as budgeting advice:
- 101 Ways to Spend Less and Save More
- How often should I check my credit report?
- How long do negative items stick around on my credit report?
- Do these 5 things right away if you’re a victim of identity theft
- 7 steps to help prevent identity theft
- Budgeting 101, pt. 1: Where to start
- Budgeting 101, pt. 2: Creating a family budget that works
- Credit score 101: the basics
- How bankruptcy affects your credit score
- 7 steps to get out of credit card debt, and stay out
Also, read our blog for even more credit repair advice, delivered to you every week!