101 Tips to Legally Improve Your Credit Score

In Credit Repair of CreditGuy (August 22, 2008 8:22 pm)

There are countless options when it comes to credit repair, but not all of them are correct, or even legal. So I decided to put together a page of simple, legal things you can do to improve your own credit, and put some power back in your own hands.

I have a 56 page full version of these tips, for those of you who want to take it to the next level, and it’s available at 101 Credit Repair Tips.

But the tips themselves are yours for free - just scroll on down!
Enjoy!

  1. 101 Powerful Tips to Legally Improve Your Credit Score
  2. Keep the contact information for credit bureaus handy.
  3. Develop an action plan for dealing with your credit score.
  4. Pay your bills on time.
  5. Avoid excessive credit.
  6. Pay Down Your Debts
  7. Have a range of credit types.
  8. Look out for identity theft.
  9. Practice safe banking, safe computing, and safe business practices.
  10. Check your credit score regularly
  11. Beware of debts and credit you don’t use.
  12. Be careful of inquiries on your credit report.
  13. Be careful of online loan rate comparisons.
  14. Don’t make the mistake of thinking that you only have one credit report.
  15. Don’t make the mistake of closing lots of credit accounts just to improve your
    score.
  16. Don’t assume that one thing will boost your credit score a specific number of
    points.
  17. Don’t think that having no loans or debts will improve your credit score.
  18. Never do anything illegal to help boost your credit score.
  19. Dispute errors on your credit report.
  20. Add a note to your credit report if there is a problem you can’t resolve.
  21. Make sure you know who is looking at your credit report and why.
  22. Know the difference between soft and hard inquiries.
  23. Contact creditors as well as credit bureaus when correcting inaccuracies in your
    credit report.
  24. Look out where you get your credit report - and what it contains.
  25. If you have bad credit, establish better credit by taking out credit and repaying it
    quickly.
  26. Try secured credit if you cannot qualify for other types of credit.
  27. Give it time.
  28. Contact your banks and ask credit limits to be reduced.
  29. Start repairing your credit right away after a big financial upset.
  30. Consider co-signing for loans - but consider well before taking the leap.
  31. Don’t overlook bankruptcy.
  32. Don’t choose bankruptcy as an easy out.
  33. Learn from your mistakes.
  34. Seek professional help
  35. Look out for credit repair companies.
  36. Seek free or inexpensive help before seeking paid credit repair help.
  37. It will be easier for financial experts to help you if you seek credit repair help
    sooner rather than later.
  38. Look out for credit repair scams.
  39. Get a good team on your side to help you with your credit score.
  40. Learn to budget.
  41. Live within your means.
  42. Get out of the spending habit.
  43. Save.
  44. Keep track of your money.
  45. Take out one unnecessary pleasure item and save it instead up.
  46. Build assets and capital.
  47. Find more ways to income.
  48. Prepare for financial emergencies.
  49. Get overdraft protection, insurance on your credit cards, or other services to keep
    your credit in good shape.
  50. Get insurance.
  51. asdasda

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