Title: How to fix bad credit on your own
1Credit Robbin Hood
2HOW TO FIX BAD CREDIT ON YOUR OWN
- Probably, you havent found the best credit
repair provider for your needs or their fees seem
prohibitive. That doesnt mean you cant do
anything about your bad credit Houston. Yu may
not be a credit repair specialist, but with
following tips, you should be able to see a boost
in your credit score after sometime.
3Understand your credit standing
- Before embarking on repairing your bad credit
Houston, ensure that you have copies of your
credit reports. You can get these reports from
the three credit bureaus namely Trans Union,
Equifax, and Experian. One is entitled to receive
free credit reports once every year, and you can
visit www.annualcreditreport.com or call
1-877-322-8228 for one. Note that other websites
may charge you for the reports. Credit tracking
apps such as Credit Sesame and Credit Karma can
also help you understand your credit rating. - A good credit score is perceived to be between
700 and 740, and this can qualify you for
excellent credit cards and low rates on
mortgages.
4Check the credit reports for errors and dispute
them
- After getting the three credit reports, analyze
them for any erroneous information. You can
challenge the incorrect details, if any, with
your debtors, creditors or the credit bureaus. - Erroneous information may include your identity
information such as the spelling of your name,
your address, credit history, and social security
number. - Revise your outstanding debts, credit cards and
any major purchases you made. If any of the items
is questionable, highlight the inaccuracy and
make a copy. - Collect all the information you may have as
evidence such as purchase and payment receipts
and bank statements and make copies of them.
These will be presented as proof to the credit
bureaus. - Next, you will write a letter just as the best
credit repair company Houston TX would, to the
particular credit reporting firm that shows the
inaccuracy. Explain the error with the copy of
the highlighted report as well as the supporting
documents for verification. Always have a copy of
every document you sent out for your reference.
Reporting agencies often respond within 30 days
after receiving your letter. At times you can
call or email the credit bureaus about your
complaint.
5Watch your spending
- Once you have cleaned the discrepancies on your
credit reports, it is time to watch your
spending, lest you fall back again. - It is vital that you start paying all the bills
and credit card debts on time and avoid any
credit applications in the meantime. Have a
budget with that can help you to spend within
your limit. Calculate your expenses from your
income, evaluate your spending habits, and create
a limit of what you can spend and stick with it.
6Make timely payments for all bills
- To fix your bad credit Houston, you have to start
settling your monthly bills by making timely
payments. Catch up with late bills as soon as you
can because timely payments impact your credit
score significantly. - Clear credit card balances
- Pay down all the outstanding balances on your
credit cards in installments, and they are
cleared. Create a budget and make room for your
credit card amount every month. - Understand your credit limits and ensure you stay
within them when charging items. Credit bureaus
usually analyze debt loads as a ratio, and you
wouldnt want to be maxed out. Never cancel any
of your credit cards because the overall amount
of all available credit often affects your credit
rating even if you dont owe anything.
7Avoid acquiring new credit lines
- New credit lines are very tempting, especially
when your favorite store is offering incredible
discounts on purchases. - Every time you apply for a new credit line, it
reflects on your credit reports as a hard
inquiry. If in two years you have multiple credit
lines, your credit rating will get hurt, adding
more burden to your efforts to get the best
credit repair Houston. Inquiries affect your
credit score, and they can delay your efforts of
raising your credit score.
8Final thoughts
- Repairing credit yourself is a process that
requires patience. Though it takes time, you can
do it yourself and achieve better outcomes as
long as you are disciplined. All the challenges
you encounter will finally yield and earn you
that car, home or mortgage youve been yearning
for. You may not need the best credit repair
company Houston TX, but we are here to guide you
on the best procedures to follow when repairing
credit yourself. Please contact us today for a
free quote.
9Contact us -
- Address 4312 Saint Goar St Dickinson Texas
77539Phone 832-730-1233 - Email info_at_creditrobbinhood.comsupport_at_cred
itrobbinhood.com - Website - https//creditrobbinhood.com/