Credit Tips

Volusia County Credit Repair Center

How to Improve Your Credit Score

If your credit score is lower than you'd like, you can take steps to raise your score with time. With credit, there's no quick solution, but the best advice for rebuilding credit is to manage it responsibly over a period of time. Start rebuilding your credit with the following simple tips:
  • Request a copy of your Credit Report - Rebuilding your credit score starts with knowing what your credit is. Review your credit report and check for discrepancies. If you do find any errors, it is important to dispute them with the credit bureau and reporting agency.
  • Set up Payment Reminders - Making your credit payments on time is one of the biggest factors impacting your credit score. Check to see if there are payment reminder programs you can enroll in, such as email or text reminders letting you know when payments are due. Automatic payments can also be helpful.
  • Reduce Your Amount of Debt - This may not sound easy, but once you reduce the amount of debt you owe, it will be help to improve your credit score. First: STOP using your credit cards - it's harder to reduce your debt when you are adding to it. Make a list of all your accounts to see how much you owe on each and also double check the interest rates. Once you have that list, come up with a payment plan to start paying off the credit cards with the highest interest rates first.
Your payment performance or history is the record you've established by paying or not paying your bills on time. Your credit report will show your payment history on any credit account you've had in the previous 7-10 years.
  • Make sure to pay your bills on time - Delinquent or late payments and collections can have a negative impact on your credit score.
  • Behind on payments? Get current and stay current - The longer you pay your bills on time after missing a payment, the more your credit score should increase. The impact of past credit problems decreases with time as on-time payment patterns show up on your credit report, so don't let one missed payment feel too overwhelming.
  • Paying off a collection account will not remove it from your credit report - These can stay on your report for anywhere from 7-10 years.
  • If you are struggling to make payments on time or at all, contact your creditors of see a credit counselor - This will not rebuild your credit right away, but if you can start and continue to pay your bills on time, your score should increase over time. Seeking assistance won't hurt your score either.

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