Step-by-Step: Fixing Your Credit in 2018

ByTop10.com StaffJul.17, 2018

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Steps to credit repair
Credit scores impact your housing, interest rates on loans, and insurance premiums. Luckily, there are quick and viable ways to repair your credit score. It just takes a few steps to get started.

Step 1: Evaluate Your Credit 

The first step in repairing and rebuilding your credit is to understand exactly where you stand. Getting your credit report and score is easy. There are only 3 primary institutions that handle credit scores—Equifax, Experian, and Transunion. Contact at least one of them or find a top credit repair company to do it for you.

Step 2: Map Out Your Options

If your credit score is low, or even if there are irregularities such as incorrect debts or evidence of fraud, you can dispute your charges. When you sign up for a credit repair service online, it  will connect you to expert negotiators and counselors who can intervene directly with credit agencies on your behalf. A good credit repair agency can also help you craft a plan to pay your debts back by setting a monthly schedule and avoiding a collection agency. 

Step 3: Take Positive Action

Ultimately, deciding whether you’re going to do the legwork by yourself or through a company is your final step. From do-it-yourself credit fixing guides to reliable online credit repair services, there are real solutions that work. Raising your credit score on your own is always an option, but it can be time consuming and frustrating to deal directly with credit agencies and creditors. Fortunately, there are hundreds of online credit repair companies that can help you navigate fixing your credit and getting your finances back on track.

Now that you have a good idea of how to begin repairing your credit score, check out more of the best credit restoration companies for comparison.