Keep the good, lose the bad, and recoup what you can. For example, you don’t necessarily have to forfeit those credit accounts that are still good, for bad ones.
Take Your Credit Score from Poor to Excellent
Keep making punctual payments on the balances on your existing accounts.
Wait between each dispute. You should spread out your disputes and wait between each letter. If you’re filing a dispute for more than one item, resist the urge to dispute everything at once. File one dispute per letter, and space the time out in between each dispute. As we have mentioned in our previous article, the credit bureau can become wary of too many disputes, and mark them as irrelevant or frivolous.
Take care/think twice when closing a credit card. It’s seldom that closing a credit card account actually improves a credit score. More likely than not, it harms the score if the account in question carries unpaid balances.
Rethink your habits. It’s best to figure out what exactly it is you’re doing regularly that has the biggest negative outcome on your credit score. It can be paying bills late, skipping on payments, or applying for too many credit lines at once. Take note of your habits and avoid making those mistakes again. A better credit score starts with the credit owner’s initiative.
Keep your chin up. Obstacles and setbacks can be discouraging. Sometimes, it can be downright frustrating trying to figure out ways to have a better credit score. Your score may even experience sudden plummets while you’re in the process of repairing it. But it doesn’t always mean you’re on the wrong track. Life happens and as long as you continue to gradually add more and more positive data to your credit history and credit report, your credit score will get better.
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