How to Fix Personal Credit History

Fixing your personal credit history by increasing your credit score may require serious effort on your part. Credit scores range between 300 and 850, and acquiring a high score entails consistently managing your credit well. But even if you've made mistakes in the past and you're dealing with the consequences of poor credit choices, it's possible to fix your personal credit history.

Instructions

1

Use online or Internet services to pay your bills. Avoid delinquencies by paying bills early using online bill-pay services. Sign up for free and pay credit card and loan statements upon arrival to fix your bad payment history and raise your credit score.

2

Limit spending with credit cards. Pay down credit card balances by reducing spending and using this extra money to get rid of debt. Forward higher monthly payments to eliminate the debt sooner, and use cash in the meantime to avoid additional monthly charges.

3

Approach old creditors to pay delinquent accounts or collection accounts. Purposely disregarding old accounts doesn't help your personal credit history. Settle old debts or make plans to pay them off.

4

Confront creditors and request that they correct mistakes on your credit report. Attain a copy of your report from Annual Credit Report and analyze the report for mistakes that can lower your credit rating. Call creditors to bring attention to their mistakes and request an immediate update.