If you would like to know how to fix credit fast, then you will want to read on. We will be discussing simple strategies that anyone can implement to improve their credit score quickly. After reading this article, hopefully you will have learned a couple of strategies that will work for you.
Pay revolving accounts down below 25%
Your revolving utilization ratio accounts for 30% of your credit score. This is the ratio between the total amounts that you owe on your credit cards versus the credit lines that you have available to you. For the best possible credit score, you want to owe 25% or less of the available balance on each account. It is important to note that you should never close a revolving account as doing so will almost certainly lower your credit score.
Dispute derogatory credit
If you have errors in your credit file or accounts that are questionable, you need to dispute these accounts with each of the three credit bureaus. Under the Fair Credit Reporting Act, the credit bureaus must investigate any account that you dispute. Once you file a dispute, the credit bureaus will notify the creditors (information providers) of your dispute. They will then have 30 days in which to respond. If they fail to respond or fail to be able to verify that the account is reporting accurately, the credit bureaus must remove the account from your credit file.
Pay for Delete
If you have an older collection account, the last thing you want to do is just pay it off. The reason is that this renews the date of last activity and will most likely lower your credit score. This doesn’t mean you want to ignore the account. What you want to do is call the creditor and tell them that if they will agree to delete the account from your credit file that you are willing to pay off the account in full. Most of the time, they are more than happy to do this! This can go a long way to repair your credit!
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