How To Fix a BAD Credit Score FAST in 2020

How to fix a bad credit score? Here are tricks to fix your credit score in 2020

FIRST: pull your credit report and figure out what is bringing it down.
There are dozens of free credit report services you can find with Google. Do NOT pay to get your credit score!

Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:

-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures

To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it

To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk

To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization
-BE RESPONSIBLE WITH THIS

To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this

And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.

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