How to use our step-by-step “dispute process blueprint”
You’ve probably seen advertisements for credit repair on tv, radio, the internet, or even on the side of the road. The good news is that you don’t have to hire a professional to fix your credit. You can do all the same things a credit repair company can do, so save some money and the hassle of finding a reputable company and repair your credit yourself.
The biggest chunk of your credit score is determined by how well you pay your bills each month; in fact, it accounts for a whopping 35% of your credit score! You’ll see this history listed on your credit report through different accounts you’ve had over the last seven years. Under every loan, credit card, or mortgage you’ve had, you’ll see how much you’ve paid each month for an extended period of time compared to how much the monthly bill totaled.
New credit tips: Re-establish your credit history if you have had problems: opening new accounts responsibly and paying them off on time will raise your credit score in the long term.
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Collections are complicated because paying them off may actually end up hurting your credit score by resetting the start date from when it was reported. Before taking action on collections, read on to find out how to navigate these murky waters. Like charge-offs, collection accounts may be reported for up to seven years from the date you first fell behind with the original creditor.
Don’t Close Unused Credit Card Accounts – The age of your credit history matters, and a longer history is better. If you must close credit accounts, close newer ones. Be Careful Paying Off Old Debts – If a debt is “charged off” by the creditor, it means they do not expect further payments. If you make a payment on a charged off account, it reactivates the debt and lowers your credit score. This often happens when collection agencies are involved.