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How to Fix Your Credit – With These Easy Steps

Bruce Markey

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Do you want to buy a house, but can’t because you have bad credit? Are you wondering how to fix your bad credit? If this sounds familiar, then keep reading, because in this article you will find some simple ways to fix your credit.

How to Fix Your Credit – Stop Getting Credit

If you’re in financial crisis because you’ve over-extended yourself, or even if you’ve lost your job and are wondering how to fix your credit, one of the first things you want to do is stop getting credit. If you’re trying to fix your credit, your goal should be to get all of your credit down to zero, and you can’t do this if you keep getting more credit. You need to focus paying down the credit you have now.

How to Fix Your Credit – Pay Bills on Time

One of the most important steps to fixing your credit is to make sure you pay your bills on time, in full, by the due date every month. This sounds so simple, but for many people it’s not. If you are one of these people that has trouble remembering when your bills are due but still want to know how to fix your credit, set up a payment reminder. There are various ways to do this, particularly since we live in an age of technology. There are computer programs for your laptop or PC and apps for smartwatches, tablets, and smartphones. Choose the method that will work the best.

How to Fix Your Credit – Pay off Your Credit on Time

Although this step may sound like the previous one, there is a slight difference. The difference being that whenever you’re late with a credit card payment, you get charged more interest. One of the goals of fixing your credit is to also manage your money better. When you pay your credit on time, you boost your credit score so your credit history will look leaner and mortgage lenders will be more willing to give you a mortgage. However, if you only make your minimum payments (although at the beginning that may be all you can do), you really aren’t making the dent on your debt you need to make which is not how to fix your credit.

How to Fix Your Credit – Avoid Quick Fixes

One big thing to watch out for, or to be very cautious about when you are thinking about how to fix your credit, is the company that claims it can show you how to fix your credit in days. With the poor economy, more and more Americans are facing credit issues. Naturally, there will always be people who try to take advantage of the situation to make money. They will claim they can teach you how to fix your credit instantly, but they are mostly scams. Make sure you thoroughly research any service before you make a commitment with them.

How to Fix Your Credit – Common Solutions

There are a few common solutions that are popular. For example there is a process called debt settlement and another called debt consolidation – combining all your debt into one payment. How you fix your credit also depends on how diligent you are with making payments, and how motivated you are to solve the problem. However, if you try the tips discussed here, you will improve your credit score.

Step 1 Credit is a trusted leader in the credit repair industry, helping people to fix their credit and get approval on mortgages, car loans and credit card applications. The company also offers free credit report consultation. For more details on how to fix your credit, visit

how to fix your credit

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