I wanted to share the basic methods to rebuilding your credit with some basics steps. Credit is not as mysterious as you think. It is based on a few factors such as credit usage, late payments, collections, credit age with a mixture of accounts, and inquiries. We will dive into another time but for now, these are some basic methods to start the process of being on your way to a higher credit score.
🚶 Step 1: Pull your free annual credit report its absolutely free on Annual Credit Report.
🚶 Step 2: Dispute your items by telephone you find is not yours or inaccurate information. The law is they have 30- 45 days to reply. Here are the numbers for all the credit bureaus
Transunion - 800-916-8800
Experian - 888-397-3742
Equifax - 866 - 640 - 2273
🚶 Step 3 - Rebuilding your score by adding positive lines of credit. The truth of the matter is no one will trust you with credit cards if you don't have any credibility. What if I can't get any credit cards? Don't worry there are a few ways to rebuild your credit. A good way to get started is Horizon Card Credit Building Program. Another good program is The Evolve Card and approves low credit scores as well. They typically start out at $1000 credit line.
Other Programs to Consider for Credit Building
Group One Platnium - Credit Card to Help you Build
Unique Platinum - Credit Card to Help you Build
Apply for a loan of up to $10 000.00! - 2nd Chance Loans
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