How To Get Credit Repair Fast

How to get credit repair fast is somewhat of a misnomer. The truth is that when it comes to really repairing your credit it can be relatively fast or it can take some time.

Your credit is as individual to you as is your DNA. Because of this no one can predict the exact date your credit will be restored. We are a society of instant gratification. We want what we want, FAST. But then fast is really a relative term, isn't it? I'm sure that if it took a year or more you may or may not consider that fast. If you started to see improvement within 45 to 90 days, would you consider that fast? I would.

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Here are five steps you can take right away to start seeing some changes to potentially get credit repair fast and save yourself money in the long run!

Step 1: Pay your bills & pay on time. Since this makes up the largest portion of how your score is calculated it's important to pay at least your minimum due and pay on time.

Step 2: Pay down your debt. If you have a lot of outstanding debt it can really affect your debt to credit ratio. You shouldn't use more than 30% of your credit limit on revolving accounts. If you're "maxed" out on your cards, work to pay them down and you can always ask for an increase on your limit. If you do this make sure you don't continue to use that card until your limit is paid down.

By now you should have an idea of how to start to get credit repair fast. The first two steps are important to continue so that you can maintain your improved score. Let's dive in a little more and look at 3 more steps.
Step 3: Don't close established accounts. This shows your length of credit history. The longer your positive credit history, the better.

Step 4: Limit the amount of new credit you apply for. Each time you apply for credit your score drops just a little. If there are several different inquiries not related, as in buying a car or home, then lenders will likely view you as a higher credit risk.

Step 5: Establish a good credit mix. A mix of credit is shown to improve your score as long as you don't have too much of any one kind. A good mix is home loans, car loans, credit cards, and department store cards.

Steps 1 through 5 are ways you can take matters into your own hands and be on your way to getting credit repair fast by increasing and maintaining your credit score.

Lastly, the Fair Credit Reporting Act allows Americans to dispute and/or investigate any item on their credit report. You can do this yourself, but it will take time and a certain amount of knowledge of the law to dispute items and to get the best results. If you have the time to invest and you want to try getting credit repair fast on your own then I encourage you to do so.

As you can see there are simple steps you can take on your own to achieve the results you are looking for. If you don't have the time and energy or you want a professional to dispute the derogatory items on your credit report for you, then I urge you take action and get started today!

Dana Mazurek is a Senior Field Trainer with Financial Education Services. She specializes in helping individuals achieve financial health through education and a suite of financial services such as credit restoration, a will and trust package and more. Dana also offers career opportunities through her Agency with the potential for advancement.