Getting your credit in order is one of the most important things you can do. This includes taking measures to ensure that your credit itself is as good as possible, as well as doing some things like credit report repair. Though itâ€™s not really possible to completely fix your credit report in such a short period of time, you can make some huge strides in the right direction in only a couple of months.
Pay down your Cards and Other Lines of Credit
This might seem obvious, but itâ€™s important to start with the most pressing need. If you want your credit score to go up, you need to have a lower debt utilization ratio. This means that you shouldnâ€™t be using every bit of available credit that you are given. If you have some high interest cards that are near their limit, then paying down some of that debt will go a long way to helping with your credit report repair.
Find Mistakes and Correct Them
One of the things that is very easy to fix in a short amount of time is any sort of error that might be on your credit report. Given the nature of information and how much of it there is, mistakes are bound to happen sooner or later. Get a hold of your credit report so that you can see if any credit report repair is necessary. For instance, make sure that no one is using your identity to commit fraud. Make sure that the credit reporting bureaus have all of your correct and current information, as well.
Make Contact with Your Creditors
There are many occasions when your creditors can help you with your credit report repair. In the event that you make proper corrections to your account or bring it back to being current, you should ask your creditors to update that status on your credit report. This process will take a little while, but credit restoration can certainly be done within the time frame of a couple of months. If you have been diligent in bringing your accounts current, then most creditors will help you out in this regard.
Stay Away From Quick Fix Services
Though it may be tempting, there is absolutely no reason for you to test the waters with credit repair services. Most of these services offer you a great deal, but require you to pay up front. This is quickly becoming one of the most popular scams on the internet and many desperate consumers are falling for it under the pretense that certain companies can completely revamp their credit in a short period of time.