Credit Repair Strategies

Effective Credit Repair Steps

1. Review Your Credit Reports

Start by obtaining your credit reports from all three major bureaus:

• Equifax
• Experian
• TransUnion

2. Dispute Inaccuracies

Common errors to look for:

• Incorrect personal information
• Accounts that aren't yours
• Wrong payment statuses
• Outdated negative information

3. Address Past Due Accounts

1. Create a list of all past due accounts
2. Contact creditors to discuss payment options
3. Consider debt consolidation
4. Request goodwill deletions for one-time mistakes

Long-term Strategies

• Set up automatic payments to avoid missing due dates
• Keep credit utilization low (under 30%)
• Avoid closing old accounts to maintain credit history length
• Limit new credit applications to minimize hard inquiries