A credit score can help or hurt you when you apply for loans or a job. Cleaning up your credit is an excellent way to help raise your credit score. This can be done quickly with a few easy steps. Also, some long-range planning can help raise your score in the long run. It takes 45 to 60 days to see any results from changes made on a credit report.
Instructions
- 1
Get credit reports from all three major credit bureaus (Experian, Equifax and TransUnion) for both you and your spouse. Check all line items to see if there are any errors. Report any errors online by selecting the reason for the error next to the line item on each online report.
2Pay off any collections, liens or judgments. Negative items will affect your credit less harshly if paid in full.
3Look at your credit card balances. Pay down your balances to less than 30% of the limit. This will help raise your score as well.
4Follow up on any changes with your credit report. Make sure errors were removed. The credit bureaus have 30 days to respond to your request. Provide proof of payment, if needed, to ensure that paid collections, liens and judgments show as paid in full.
I got flagged for a late payment on my credit report, I had bankruptcy chapter 7 discharged January 2020, I had 11 open account with all exceptional credit history which decreased my credit score to 515. Since then I’ve been looking for a way to rebuild my credit. I asked a question on my Fico forum on how to rebuild my credit history a member referred me to ROOTKITS CREDIT SPECIALIST and told me how they helped his family after 5 years of bad credit report. I decided to give them a shot on 1st of November 2021 and explained my situation to them. They promised to fix my credit report, but I’ll recommend their service if job is done, 3rd of November I got a text from them to confirm my new credit history. my score has been raised to 811 excellent score across the 3 credit bureaus. Late payment, bankruptcy have been deleted. I decided to wait after 7days to confirm if it’s a permanent hack. I now have a new credit history. I sincerely recommend them to anyone who has similar issues. Email them on: rootkitscreditspecialist@gmail.com Or CALL +1 760 474 3440.
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