Fast and Easy Credit Repair.

Are you shopping for a home or applying for student loans? If so, good credit is essential to securing the best interest rate. If you need fast credit repair, consider the tips below. They can give your credit score the jump-start it needs.

• Pay your bills ahead of schedule. Sometimes, fast credit repair is as simple as a schedule adjustment. Paying your bills weeks in advance is a great way to save on interest payments and reduce your debt-to-income ratio. Stay ahead of the curve by shifting your payments.

• Learn about credit utilization. Staying within your credit limit isn't the only way to maintain a healthy score. Credit utilization-or the amount of debt owed on credit cards vs. the total credit limit-should never be more than 25 percent. For example, if you can charge up to $20,000 on your credit cards collectively, you should never owe more than $5,000- on those accounts. The same principle goes for individual cards. Keep an eye on these utilization ratios to keep your credit in good standing. If you are overextended on one card, consider a balance transfer to even things out.

• Diversify your accounts. Highlight your ability to work with different types of credit. If the majority of your accounts are revolving (e.g., credit cards), consider applying for an auto loan, specialty store account, or home mortgage. Broadening your credit mix is likely to strengthen your credit along the way.

• Spot the errors. Errors and unfairly reported information can negatively impact your credit. Order a free copy of your credit report and highlight these items. Contact your creditors and point out any lingering issues. If you need help, contact one of our legal experts for a free consultation and analysis. Improper credit reporting is illegal, and fast credit repair depends on fast action.

• Ask for a goodwill deletion. Even if a negative item is legitimate, there could still be hope for your credit score. Call your creditor and ask for a goodwill deletion. Many companies make exceptions for long-time customers with a positive payment history.

Good credit is important, so take action today. Fast credit repair could lead to a brighter future.

Last year, our clients saw
over 3,300,000** negative
items removed from their
combined credit reports.

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