You should always fix your own credit because there’s little, if anything, you can pay someone to do that you can’t accomplish yourself for free. And there are a lot of credit repair scams out there. Plus, fixing your credit on your own is fairly simple. Just follow these four steps.
Check your credit report to see if there’s any inaccurate information bringing you down (e.g. mistakes or fraud) and dispute anything that’s out of place.
Catch up on missed payments. Getting current will stop the bleeding.
Get a credit card and either don’t use it or pay the bill on time every month. This will allow you to get positive information reported to the bureaus each month. Becoming an authorized user on someone else’s card can help, too.
Make a budget that includes emergency fund contributions and a debt payoff plan. This will help reduce the stress on your finances and prevent future credit score damage.
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