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DIY Credit Repair Guide: 7 Quick Steps to Fixing Your Credit Score

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diy credit repair guide

Having bad credit can set you up for a multitude of challenges, from loan approval to a renter’s agreement on your apartment. Understanding how your credit score works is the first step in determining how to fix your credit.

Keep your credit card in the wallet for now. We’ve done the research so you can focus on fixing your credit and hitting those financial goals on your dream list.

Getting Started With DIY Credit Repair guide

Dealing with credit bureaus is a necessary evil for most people residing in the United States. For younger persons in their 20s and early 30s, their experience is sometimes lacking, leading to additional difficulties.

Do you have an outstanding credit card balance? Don’t worry; we’ve all been there. A free credit report is usually the first step when you’re new to the process. You’ll want to understand the ins and outs of credit reports, especially if your credit score needs a boost.

Get A Free Credit Report Here

What Is a Credit Score?

A Fico score is an important number when it comes to managing your personal finances as an adult. 

This digit ranges between 300 and 850. It provides a picture of you, as a consumer, and how you spend your money. If you’ve managed to pay your bills on time and have responsible spending habits, your score will be just fine.

It’s all based upon your history: how much debt you have, repayment scenarios, number of accounts, and more. This is what lenders use to determine if you qualify for a mortgage or car loan. These are just two examples of many where credit counts. 

The higher the score, the more likely you are to make timely and appropriate payments, or that’s how they see it, at least.

How Does a Poor Credit Score Affect You?

Is your credit score above 670 or so? This is optimal. Anything below that number is a moderate result (unless you stoop even lower than 580). If you fall into the latter category, that means you have poor credit. 

Credit reporting companies can make life more difficult than it needs to be. Sour credit history may affect you in numerous ways, including but not limited to:

  • High-risk label: You could be labeled high risk by lenders, which means your chance to qualify for loans will be quite slim.
  • Insurance premiums: Poor credit may mean your insurance premiums are higher than they need to be.
  • Employment: Some employers might deny you a job based on this, as it could indicate a lack of responsibility in their eyes.
  • Interest rates: You may face higher interest rates because of it.

Fix Your Credit Here

Why Pursue Credit Repair?

Everything listed above makes for good reason to pursue credit repair. Bad credit can put a damper on big financial decisions and keep you in a ditch of debt, which you’re probably trying to get rid of in the first place.

Buying a House With Bad Credit

If your credit history drops below that moderate category of approximately 580, this will affect your ability to buy a house. This doesn’t mean it’ll be impossible, but it could come with a higher interest rate or other stipulations that can actually worsen your original financial situation.

How To Repair Your Credit: Step by Step

The best news is that it’s possible to fix your credit. It takes some know-how, but we’ve got you covered.

Fix Your Credit Online

1. Determine Where You Stand

It’s a simple process to determine your score. Credit reports are numerous, and you can also snag a free credit report online.

Get a Credit Report for Free

You’ll find plenty of options for a free report when you open your browser. Some websites and credit bureaus offer credit reports from two to three companies, so you can see how they compare.

Know Your Credit Score

Now that you understand what the numbers mean, you’ll have a good idea of your credit picture when your report is complete.

Get a Copy of Your Report

In most cases, the company will email your report to you. It’s important to make a hard copy, though, in case you need to meet with credit counselors or a credit repair company.

2. Know What To Look for on Your Report

Your credit report will contain more than just the number.

What Information Is Displayed on a Credit Report?

Most credit reports feature the following categories.

  • Payment history: Do you have late or incomplete payments?
  • Credit utilization: The ratio of outstanding credit card balances to your limits.
  • Types of credit: This includes open accounts, installments, and revolving.
  • Credit inquiries: When an outsider checks your credit report, like an employer.
  • Length of credit history: How long you’ve had credit.

3. Check For Errors on Your Report

It happens from time to time and usually in the following scenarios: personal information, reporting mistakes, debts from a former spouse, or older debts beyond seven years.

Repair Your Credit By Disputing Errors

The only way to dispute your errors is by contacting the credit report company.

4. Pay Late or Past Due Accounts to Build Your Credit

Improving your credit by paying late or past due accounts is possible. But this could take up to a few months at least to positively affect your credit score. You can’t rely on this method alone for boosting credit overnight.

5. Increase Your Credit Card Limit to Improve Your Credit Score

Higher credit scores are often due to maximum limits on credit cards, indicating that an individual is responsible enough to handle that specific amount.

If you’re not confident in your ability to handle your finances just yet, avoid this route. You could end up in a worse place, and that added stress isn’t worth it.

6. Pay New Credit Accounts First to Fix Bad Credit

Some professionals recommend that you pay new or high-interest accounts first to fix bad credit. This might help you increase the length of your credit, improving your score over time.

7. Don’t Apply for a New Credit Card

Applying for a new credit card to increase your score isn’t the best idea. It shows desperation on your part, or at the least that you’re in a financial emergency. There are other, more constructive ways to improve your credit.

8. Pay Balances on Time Going Forward

Need an excellent tip for diy credit repair guide? Timely payments are one of the most surefire ways to boost credit. If you’re unable to make this happen, you’ll want to call the companies responsible for the particular payment lines you’re struggling to pay. That way, they can advise you on the best scenario to avoid disrupting your credit even further.

This could include a new repayment plan, for example.

DIY Credit Repair Guide and Tips

Those that are new to the game of credit repair will have questions, and here we cover the most common topics to round out the critical steps you need to take.

DIY Credit Repair Guide versus a Credit Repair Company

Fixing your credit yourself versus contacting a company or counselor is possible with a little know-how. Options include making payments on time, paying off your high-interest installments first, and minimizing lines of credit until you’re in a better place.

Other ways to help improve your credit include:

  • Limit hard inquiries: Mortgages, credit cards, or loans qualify as “hard inquiries” or “hard pulls” and indicate financial trouble. Keep these at a minimum.
  • Use auto-payments: You won’t have to worry about missing payments. This system can help you improve your spending habits, too.
  • Keep old accounts open: These boost your credit as it shows a long history on your report.
  • Stay on top of your credit report: Most bureaus recommend running a credit report once per year. Keep your files and note your progress.

Get A Free Credit Evaluation Here


What Is the Credit Repair Organizations Act?

The CROA, or Credit Repair Organizations Act, protects you from companies trying to misguide you into a poor financial decision.

It prohibits businesses from using misleading or untrue representations of a credit agreement. The act also requires clear disclosures from credit repair businesses, so you’re not taken advantage of there, either.

When Do Debt Collection Agencies Get Involved?

diy credit repair guide

Typically, diy credit repair guide recommends anywhere between three and six months of nonpayments for a debt collection agency to get involved. This depends on the stipulations laid out by the lenders and creditors, but your account has to be listed as “very delinquent” or something similar first.

How Does “Pay-for-Delete” work?

“Pay for delete” is a practice used by debt collection companies. It’s when your collection amount is erased from your credit report because you made the payment in full.

How Long Does It Take to Repair Credit?

How long it takes to repair credit depends on your financial state and what’s involved. Issues like disputes and errors may take three to six months to get resolved.

Other outstanding credit issues can take years to clear. Seven years is a popular marker for credit reports because this is the length of time required for credit details to be wiped clean from your report.

Recap on DIY credit repair guide

Credit repair is possible. The most important factor is understanding your score and increasing it for a better financial future. Take advantage of free reports and make your timely payments. Auto payments help, as does spending within your means. The best credit repair companies can help you fix your credit score.

Diy credit repair guide Final Thoughts

It’s normal to worry about your Fico score and credit bureaus, given all the facets of life this seemingly minor number can affect. A credit card, in and of itself, isn’t a bad thing, but poor spending habits can make it a beast of a burden.

Repair your credit yourself by making all your payments on time, keeping old accounts open, and checking your score at least once per year. Contact a professional if you have any doubts; that’s why they’re there.

Click Here to Fix Your Credit

The reviews and statements published here are those of the sponsor and do not necessarily reflect the official policy, position or views of Observer. 

How to Fix Your Credit: 7 Ways to Fix Your Bad Credit Score for Free (Credit Repair Guide)

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Credit Repair Companies

Give yourself some credit (reports)

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Image courtesy FTC
Image courtesy FTC

By EMILY WU
Attorney, Federal Trade Commission

One important back-to-basics step you can take this Financial Literacy Month (or anytime) is checking your credit report. 

Your credit report has a summary of your credit history. For example, if you’ve been evicted and a landlord turns uncollected rent over to a collection agency, that might be on your credit report. Information in your credit report affects your credit score. That’s important because businesses — like insurance and phone companies — use your credit score to decide whether to give you a policy or service, and what rate to offer. And potential employers and landlords also might check your credit.

So you want to know that the information on your report is accurate. And if it’s wrong, you want to make sure someone didn’t steal your identity.

Here’s the plan:

Order your free credit report. Go to AnnualCreditReport.com or call 877-322-8228. Until the end of the pandemic, everyone in the U.S. can get a free credit report each week from all three national credit bureaus (Equifax, Experian, and TransUnion).

Read the reports carefully. Do you recognize the accounts? Do they list credit applications? Did you apply for credit at those places?

Spot mistakes. Fix anything that looks wrong (read more about how). But if it looks like someone else is using your credit, go to IdentityTheft.gov to report it and get a recovery plan.

Spot a credit repair scam. If a credit repair company asks for money up front, or tells you not to contact the credit bureaus yourself, that’s probably a scammer.

Look, it’s been a tough time, and it’s hard to get back on track. But you can take steps to rebuild your credit. Only time and a plan to pay off debt will improve your credit, but with free credit reports available every week, it’s a good time to take a small step towards recovery. 

. . .

The above information is from the Federal Trade Commission Consumer Information blog

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Credit Repair Companies

Introducing Oasis Credit Group, New York City’s premier credit repair company – Press Release

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Oasis Credit Group is a credit repair company, based in New York, that is proficient in erasing bad credits accumulated from terrible financial decisions whilst providing its clients with a first-class platform for business or personal growth.

Available statistics suggest that 43% of consumers haven’t checked their credit score in the last year. Meanwhile, VantageScore says there are about 220 million scoreable people and 68 million of them have bad or poor scores. Hence, Oasis Credit Group is aptly positioned with its services—the ability to remove all negative derogatory and delinquent accounts across all 3 bureaus.

“The first thing we do is obtain a 3B Credit Report which is one report from the 3 major credit bureaus. We will then analyze the entire report with the client on the line. We will go over each item that is on the report and figure out what needs to be done. Ex. dispute with the bureaus and/or furnisher, Debt Settlement with the creditor or collection agency, Adding positive accounts, etc. We do not sign up any client who wants to sign up. If we cannot help, we will not onboard the customer”, explained the company CEO.

Oasis Credit Group started as a small business funding industry where they observed the biggest reason for denial was someone’s credit score. “After figuring out a way to help people with their credit scores, we decided to move strictly to credit repair as we saw the number of consumers who can use our service AND the amount of business who can help as well”, explained a company spokesman.

Oasis Credit Group differentiates itself from other companies in the credit repair industry with a number of impeccable services including:

  • 100% Money-Back Guarantee
  • Flawless integrity
  • Sufficient experience with consumer, business, and mortgage credit
  • Full-time availability and customer support
  • Affordable fees, with NO long binding contracts.


Oasis Credit Group
offers a referral bonus as an incentive for any client referred to them.  “As mentioned above, we know what it likes to have a client declined due to credit. We are your solution. Refer those clients to us or any client you know can use our help and we will get them a better credit score AND you will get paid for the referral. We pay a residual commission for each active client each month.”

Perhaps, a pointer to the company’s proficiency is the rave reviews and customer testimonials from clients. According to a client, Gloria G.: “After working with 3 different credit repair companies I had 0 results after 2 years. I was on my last try and Abie was awesome from the first phone call. He didn’t promise anything that wasn’t possible and gave me an accurate timeline to reach a score of 650 so I can get my dream home. They were able to get the results I needed in 2 months! For anyone that has been struggling I strongly recommend you give Oasis a try they DELIVER!”

Media Contact
Company Name: Oasis Credit Group
Contact Person: Abraham Shalam
Email: Send Email
Phone: (646) 727-6985
Country: United States
Website: oasiscreditgroup.com



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Hope for individuals with negative credit listing – Press Release

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Professional Credit repair consultants explores the available options for those affected by economic distress occasioned by COVID 19 pandemic

With COVID 19 pandemic causing great havoc on the economy, individuals and business are grappling with effects of jobs losses and low business.  According to financial analysts, rate of defaults has hit a record high, with the number of people who are listed increasing in the past one year, and recorded figures being the highest in a decade. This has led to flurry of activities with credit repair experts exploring on solutions that can save people from further distress.

To avoid financial issues associated with negative credit listing, Intel Credit Consultants, a credit repair firm advises individuals and businesses to seek professional assistance on the options that are available to handle the negative items on their credit report. “A professional credit repair is in a good position to advise you on action you can take to repair your credit. You will be given the pros and cons of each of the option, helping you decide on the best way to proceed,” said a senior credit repair officer at Intel Credit Consultants while adding that some of the options may include, paying off, disputing, negotiating removal or settling.

“As your Credit repair consultants, we will review your full credit reports from the credit bureaus, we will monitor your credit information and ascertain what can be removed in line with Fair Credit reporting Act,” said the company representative while articulating how they help in credit repair.

Credit repair process starts with understanding the current situation. Credit report, according to the senior credit expert at Intel Credit Consultants will give the credit history of an individual or business. They will assist in analyzing the information, seeking to help the client understand what it means and how this affects them and their finances.

“We will help in preparation of the appropriate letters to both the credit bureaus and debt collection firms. We normally prepare letters which specifically address the credit information; our experience has shown us that doing general letter is not effective as they are mostly ignored by the credit bureaus. This is what sets us apart from the rest of the players in this sector and also helps us in quickening the process. To make sure that the letter gets to the targeted recipient we opt to mail them on your behalf,” said a senior expert in the firm while adding that they educate their clients providing them with information that will help them make informed decisions.

For more information visit: https://intelcreditconsultants.com/

About Intel Credit Consultants

Intel Credit Consultants is a credit repair company that puts its clients’ needs first making sure they are educated and well informed on every credit decision. The trustworthy and hardworking black owned business aims at helping its clients reach their full potential. Known for its highly skilled technicians, Intel Credit Consultants are one of the fastest credit repair companies targeting to see improvement in client’s credit score within a short time.

Media Contact
Company Name: Intel Credit Consultants
Contact Person: Media Relations
Email: Send Email
Phone: 866.990.7175
Country: United States
Website: https://intelcreditconsultants.com/



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