{"id":1172,"date":"2023-05-13T08:29:39","date_gmt":"2023-05-13T08:29:39","guid":{"rendered":"https:\/\/www.reddinkcredit.com\/?p=1172"},"modified":"2023-05-13T08:51:57","modified_gmt":"2023-05-13T08:51:57","slug":"how-to-fix-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.reddinkcredit.com\/how-to-fix-your-credit-score\/","title":{"rendered":"How to Fix Your Credit Score"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1172\" class=\"elementor elementor-1172\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1dbbafb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1dbbafb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b78eb13\" data-id=\"b78eb13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f66b37 elementor-widget elementor-widget-text-editor\" data-id=\"6f66b37\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tIf you&#8217;re like most Americans, you have a credit score. And if you have a credit score, you probably want to know how to fix it.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8474d1f elementor-widget elementor-widget-text-editor\" data-id=\"8474d1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tCredit scores are important because they help lenders determine whether or not you&#8217;re a good candidate for a loan. They also help determine the interest rate you&#8217;ll pay on a loan.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86410a5 elementor-widget elementor-widget-text-editor\" data-id=\"86410a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tA good credit score is anything above 700. A bad credit score is anything below 600.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c93d88 elementor-widget elementor-widget-text-editor\" data-id=\"0c93d88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>So, how do you <a href=\"https:\/\/www.reddinkcredit.com\/about\/\">fix your credit score<\/a>? Read on to find out!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01f946f elementor-widget elementor-widget-heading\" data-id=\"01f946f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">1. Check your credit report<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c61df elementor-widget elementor-widget-text-editor\" data-id=\"d9c61df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe first step to fixing your credit is to check your credit report. Your credit report records your borrowing history maintained by the three major credit bureaus (Experian, TransUnion, and Equifax).\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c574fe elementor-widget elementor-widget-text-editor\" data-id=\"2c574fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYour credit report includes information such as your credit accounts, payment histories, and other information that pertains to your creditworthiness.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b2e7b0 elementor-widget elementor-widget-text-editor\" data-id=\"4b2e7b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYou can obtain a free copy of your credit report from each credit bureau once every year. You can also pay a fee to get a copy of your information more frequently.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9b7d68 elementor-widget elementor-widget-text-editor\" data-id=\"f9b7d68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWhen you check your credit report, look for errors or inaccurate information. You can dispute any information that you believe is incorrect, and the credit bureau must investigate and correct it if they feel it is warranted.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e5265a elementor-widget elementor-widget-text-editor\" data-id=\"6e5265a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYou can also look for any overdue accounts or accounts you had previously paid off. Resolving any of these issues as soon as possible is essential, as they can negatively affect your credit score.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66fa508 elementor-widget elementor-widget-heading\" data-id=\"66fa508\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Pay your bills on time<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-360e966 elementor-widget elementor-widget-image\" data-id=\"360e966\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design.jpg\" class=\"attachment-large size-large wp-image-1178\" alt=\"how to fix your credit score\" srcset=\"https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design.jpg 800w, https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-300x150.jpg 300w, https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-768x384.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56d6f71 elementor-widget elementor-widget-text-editor\" data-id=\"56d6f71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tPaying your bills on time is one of the best ways to improve and maintain a good credit score. Your payment history is the most critical factor in determining your credit score. A history of timely payments will increase your score, while late or missed payments can hurt your score.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-369ec56 elementor-widget elementor-widget-text-editor\" data-id=\"369ec56\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIt is essential to ensure your payments are received by the due date. Setting up automatic payments is one way to ensure that your bills get paid on time. Automating your payments will help prevent missed or late payments and improve your credit score.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea29f0 elementor-widget elementor-widget-text-editor\" data-id=\"7ea29f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYou can also use credit monitoring services to track and receive alerts on activity related to your credit report. A credit monitoring service can help you detect suspicious activity, such as identity theft, and alert you so that you can take action as soon as possible.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6d8bcd elementor-widget elementor-widget-heading\" data-id=\"f6d8bcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Reduce your credit utilization<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd929f elementor-widget elementor-widget-text-editor\" data-id=\"4fd929f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tReducing your credit utilization is another way to improve your credit score. Credit utilization is the ratio between the amount you borrowed and the available credit you have. Maintaining a good credit score is essential to keep this ratio low.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dad973 elementor-widget elementor-widget-text-editor\" data-id=\"9dad973\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIdeally, your credit utilization should be below 30%, which means that the amount you borrowed should be at most 30% of the amount of available credit you have. For example, if you have three credit cards with $800 credit limits, you should borrow at most $240 across all three.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e59cbee elementor-widget elementor-widget-text-editor\" data-id=\"e59cbee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe lower your total credit utilization, the better your score. If you have maxed out any credit card, you should pay off the balance as soon as possible. Doing this will significantly reduce your credit utilization and improve your credit score.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b375030 elementor-widget elementor-widget-heading\" data-id=\"b375030\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Increase your credit limit<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83ed7f2 elementor-widget elementor-widget-image\" data-id=\"83ed7f2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-1.jpg\" class=\"attachment-large size-large wp-image-1180\" alt=\"how to fix your credit score\" srcset=\"https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-1.jpg 800w, https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-1-300x150.jpg 300w, https:\/\/www.reddinkcredit.com\/wp-content\/uploads\/2023\/05\/Untitled-design-1-768x384.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc1a443 elementor-widget elementor-widget-text-editor\" data-id=\"cc1a443\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIncreasing your credit limit also helps to improve your credit score, and this is because it reduces the credit utilization ratio, as discussed earlier. A higher credit limit also gives you access to more credit, which can help if you need to borrow money in an emergency.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a5514 elementor-widget elementor-widget-text-editor\" data-id=\"a6a5514\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tBefore increasing your credit limit, you should ensure you can use additional credit responsibly and avoid becoming tempted to overspend. If you can, you should only improve your credit limit if you are confident, you can pay off your debt in full and on time. You can increase your credit limit by asking the credit issuer to raise your limit or by taking out a new credit card.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9783eca elementor-widget elementor-widget-heading\" data-id=\"9783eca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Limit new credit applications<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36579ac elementor-widget elementor-widget-text-editor\" data-id=\"36579ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYou should limit new credit applications when looking to fix your credit score. When you apply for a new type of credit, this is recorded as a &#8216;hard inquiry&#8217; by the credit bureaus. Hard inquiries can adversely affect your credit score, particularly if you have several within a short period. \t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab7e6cc elementor-widget elementor-widget-text-editor\" data-id=\"ab7e6cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIf you need to borrow additional funds and want to rely on something other than existing credit accounts, consider applying for a secured loan or opening a secure credit card. Fast loans and secured credit cards are designed for individuals with bad credit and require collateral, such as a large sum of money or a fine piece of jewelry before you can use them.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72cb966 elementor-widget elementor-widget-text-editor\" data-id=\"72cb966\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWhen using these options, it is best to take out only what you need and make sure you pay your balance in full each month. Doing so will help you to improve your credit score over time.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9462926 elementor-widget elementor-widget-heading\" data-id=\"9462926\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Consider a secured credit card<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1844894 elementor-widget elementor-widget-text-editor\" data-id=\"1844894\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tA secured credit card is an excellent option for improving their credit score, and this card type is a good choice for individuals with bad credit or limited credit history. An essential feature of a secured credit card is that you must provide a security deposit before you can access the line of credit.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7ce375 elementor-widget elementor-widget-text-editor\" data-id=\"b7ce375\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe security deposit amount is usually equal to the credit limit, up to a few thousand dollars, and is kept in a bank account and regularly monitored by the card issuer. The purpose of this security deposit is to provide the issuer with some security if you should stop paying your credit card bills.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35c559a elementor-widget elementor-widget-text-editor\" data-id=\"35c559a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tUsing a secured credit card responsibly is an excellent way to improve your credit score. Make sure you make all payments on time, remain within your credit limit, and keep your balance low. After a few months, you can apply for an unsecured card.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re like most Americans, you have a credit score. And if you have a credit score, you probably want to know how to fix it.Credit scores are important because they help lenders determine whether or not you&#8217;re a good candidate for a loan. They also help determine the interest rate you&#8217;ll pay on a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Fix Your Credit Score | Learn More<\/title>\n<meta name=\"description\" content=\"How to Fix Your Credit Score? Don&#039;t worry, it&#039;s not too late to fix it! Follow these simple steps to improve your credit score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reddinkcredit.com\/how-to-fix-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Fix Your Credit Score | Learn More\" \/>\n<meta property=\"og:description\" content=\"How to Fix Your Credit Score? Don&#039;t worry, it&#039;s not too late to fix it! 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