whats the best way to fix my credit,?

Answer 1

1. Dispute negative items on your credit reports.
2. Make timely payments to your creditors.
3. Maintain conservative debt/credit ratios.

Answer 2

First, you have to know what is in your credit reports. Order your credit reports from the three major credit bureaus from https://www.annualcreditreport.com/cra/index.jsp, it is free.

Second, find out what your FICO scores is (not free, but worth the money). You should always buy your FICO scores from the same company every time. http://www.myfico.com/12/Home.asp This company will give you the 12 negative codes on your reports, it will explain each code and what you can do to improve your credit. It will show you how the creditors see your scores and you will also get all three credit reporting.

Third, review it and write a letter to the credit bureaus to correct any negative reporting. You can find a form in https://www.annualcreditreport.com/cra/index.jsp. Make sure that you send your letter(s) return receipt (certified) and keep a copy for yourself.

Fourth, pay all your creditors on time (one or two weeks before the due date). Pay down the higher limit first. Never, never close out any account that is not in use or that is old. This will hurt your FICO scores.

You should check your credit reports at least once a year. But if you're disputing the negative items then you'll get the reports free every time. Check your FICO scores every six months, when your scores is where you want to be then you can stop buying your FICO scores.

Answer 3

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