You can always try to fix your credit score on your own, but it will probably not be an easy process and it will take some time. The sooner you want to fix your credit report, the more frustrated you will be waiting for a response from credit bureaus and credit card lenders. What will you do if they don’t agree with you and don’t want to negotiate? The easiest and fastest way to fix your credit score is to work with a credit repair firm with attorneys and paralegals in your network.
Just understand that you are not alone and that there are millions of people who are experiencing or have had to deal with credit problems in the past. As a result, credit repair organizations have sprung up offering services to those who need to clean up their credit reports and (hopefully) increase their scores.
It is also essential to understand that there is never any guarantee when it comes to credit scores. While it will increase as you begin to clean up your reports, and as time passes and you begin to catch up on your bills, there is no guarantee that a specific number of points will increase. This means that you should not fall for any claim that a particular company will be able to increase your score by a specific number of points within a particular time period.
The fastest way to fix your credit score with credit bureaus
If you don’t already know, the three credit reporting agencies include Equifax, Experian, and TransUnion. You can get one report from each office a year for free, so go ahead and get them if you haven’t already. The fastest way to correct your credit score is to identify any errors and eliminate them. To help you identify those errors and eliminate them as soon as possible, work with a legitimate repair company.
You cannot remove all items, especially those that are your fault, such as late payments. The only thing you can do is catch up on payments and even make an additional payment each month. Even if you are making payments on time, your credit score may still go down if there is a high ratio of how much you owe to the amount of the line of credit. That is why it is important to make payments as quickly as possible and stop using the cards. You’ll want to lower that ratio to help improve your credit score.
If you think the fastest way to fix your credit score is to work with a credit repair company, you can start with Lexington Law. It is consistently rated # 1 in the industry and has helped clients remove over 10,000,000 negative items since 2017.