Fastest Way to Fix Credit Score: The Most Important Things to Understand When Trying to Fix Credit

by | Apr 28, 2020

You can always try to fix your credit score on your own, but it probably won't be an easy process, and it will take some time. The sooner you want your credit report fixed up, the more frustrated you're going to feel when waiting around for a response from the credit bureaus and the credit card lenders. What will you do if they disagree with you and don't want to negotiate? The easiest AND fastest way to fix credit score is to work with a credit repair firm with lawyers and paralegals in its network.

Just understand that you are not alone and there are millions of people out there who are either currently experiencing credit problems or have had to deal with them in the past. As a result, credit repair organizations have popped up offering services to those who need to clean their credit reports up and (hopefully) raise their scores.

It's also essential to understand that there is never any guarantee when it comes to credit scores. While it will increase as you begin clearing your reports up, and as time goes on and you start catching up on your bills, there is not a guarantee that it will go up a specific number of points. This means you must not fall for any claims that a particular company will be able to get your score up a specific number of points within a particular timeframe.

Fastest Way to Fix Credit Score With Credit Bureaus

If you're already not aware, the three credit bureaus include Equifax, Experian, and TransUnion. You're allowed to get one report from each bureau a year for free, so go ahead and get those if you haven't yet. The fastest way to fix credit score is to identify any errors and to have them removed. To help you identify those errors and to get them removed ASAP, work with a legitimate repair company.

You can't have all items removed – especially the ones that are your fault, such as late payments. The only thing you can do is start catching up on the payments and maybe even make an extra payment each month. Even if you are making payments on time, your credit score can still go down if there is a high ratio on how much you owe compared to how much the credit line is. This is why it's important make payments as quickly as possible and to stop using the cards. You'll want to get that ratio down to help improve your credit score.

If you feel that the fastest way to fix credit score is to work with a credit repair firm, then you can start with Lexington Law. It's consistently rated as #1 in the industry and has helped clients remove over 10,000,000 negative items since 2017.

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