How To Fix Your Credit For FREE, & Do It Yourself in 7 StepsFixing your credit score is a very doable project that…medium.com So, let me tell you some best ways to fix my credit by myself.
Check your score & report
First and foremost you need to get your credit report from the big three: Experian, TransUnion and Equifax. You can get a free annual report through AnnualCreditReport. com. Knowing where you are in the credit score range helps set achievable goals15.
Dispute Any Errors
Review your credit report for errors. If you see inaccuracies, take the matter up with your reporting agency. This process, of course, can result in corrections that might improve your score (23).
Pay Your Bills on Time
Make it a habit to pay your bills on time #35— Missed deadlines will negatively affect your credit score, and setting up automatic payments to ensure all bills are paid on time.
Keep Your Credit Utilization Low
Keep your credit utilization close to 30% as a goal.credit repair (ad) That means using 30% or less of your total available credit. Depending on how you handle your existing balances, or responsibly increase some credit limits13.
Pay Down Existing Debts
Look at your overall ride-together-and-die together contribution to debt, and work toward a more aggressive plan for finally parting ways with the albatross around both of your necks. It not only increases your credit score, but also saves you money on interest payments long term34.
Keep Old Credit Accounts Open
The age of your credit history impacts on it too. While not using older accounts frequently can actually benefit your credit score in other ways (in short: keeping an account open for longer maintains a higher average account age23.)
Do Not Apply For Excessively New Credits
Wait to apply for new credit accounts as needed. It can backfire: having a hard inquiry on your report for each application, which could temporarily lower your score14.
And if you do follow these steps consistently, in time you will repair your credit on your own.
