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Credit Repair: Can You "Fix" Your Credit Yourself?

Blog Title: Credit Repair: Can You "Fix" Your Credit Yourself?

Blog Introduction: If you're like most people, you probably don't know much about credit repair. And that's not surprising—after all, it's not something they teach in school. So, if your credit needs some work, where do you start? The internet is full of "experts" who are more than happy to give you their two cents, but sorting through all of the conflicting information can be overwhelming.

The good news is that you don't need to be an expert to improve your credit. In fact, there are some simple things you can do yourself to get on the right track. In this blog post, we'll give you some tips on how to Repair your credit yourself.

1. Get a copy of your credit report.

The first step is to get a copy of your credit report from all three major credit bureaus—Experian, Equifax, and TransUnion. You're entitled to one free copy from each bureau every year, so take advantage of that! Once you have your reports in hand, go through them carefully and look for any errors or incorrect information. If you find anything that looks wrong, dispute it with the appropriate bureau.

2. Raise your credit limits.

Do you have any credit cards with unused lines of credit? If so, consider asking the issuer for a higher limit. This will improve your "credit utilization ratio"—the amount of available credit you're using—which is one of the factors lenders look at when considering a loan application. Just beware of the temptation to spend more just because you have a higher limit!

3. Make your payments on time—every time.

One of the biggest factors in your credit score is payment history, so it's important to make sure you pay all of your bills on time, every time. Set up automatic payments if necessary, and put reminders in your calendar so you never miss a due date again.

4. Use a secured credit card wisely.

A secured credit card is one that requires a cash deposit as collateral; typically, the deposit is equal to the card's credit limit. Because they require collateral, these cards are easier to get than traditional cards—even if you have bad credit. But beware: Just because you can get a secured card doesn't mean you should max it out! Using too much of your available credit can actually hurt your score. So use it wisely and make sure you always pay off your balance in full and on time every month.


Credit repair may seem like a daunting task, but it doesn't have to be! By following these simple tips, you can start working on repairing your credit today. And once you get started, you may be surprised at how quickly your score starts to improve.

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