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Rebuilding your Credit History - 5 Step Process

Improving your credit history and boosting your credit report score is achievable with perseverance and a little help from agencies that work in this area like TrueCredit, Experion and Equifax. The credit repair guide should be used as ONLY a guide for you to get started repairing your credit history - nothing beats professional assistance and advice. 

You can't erase your past credit history, but you can definitely work on improving your credit in the future.

STEP 1: Order your Credit Report
Most people are surprised by what they find on their credit reports. Maybe you thought you had no credit, but there is an old account that you forgot about. Maybe you thought you had horrible credit - and you find that it really is not that bad.  Order your credit report from one of the providers below.  Be careful about who you order credit reports from and make sure that you are on a secure server when typing in your personal information. 

STEP 2: Dispute Inaccuracies on your Credit Report 
If an inaccuracy exists on the report that you get, contact the creditor responsible for the account to change it. If this doesn't work, you may have to contact the credit reporting agencies to dispute the information.  If you do not have any luck, you may want to contact a firm that has experience in repairing credit report problems:

 Academy Law Firm

Protect your Identity

Lexington Law Firm

Lexington Law

Academy Law is dedicated to improving your credit. Our law firm will fight to eliminate negative, misleading or inaccurate items from your credit report and help you establish a positive credit history. 

Identity theft can happen anywhere to anyone. In line at the store, online at home or when you’re buying your morning coffee. If your identity is stolen, you spend countless hours cleaning up your credit and struggling back on your feet.

Few things can have more devastating effects on your lifestyle than a poor credit score. Repair your credit report with Lexington Law and improve your credit score.


STEP 3: Get a Credit Card
This is often the hardest part for individuals attempting to rebuild their credit history. Luckily, there are so many options with credit cards these days, you will have the opportunity to apply for a card specifically designed to repair credit.   You may want to have someone co-sign on your first credit card, but they need to know that the responsibility and credit reporting will be shared by the co-signer. You can compare credit cards by clicking here.

STEP 4: Use your Credit Card Responsibly
Once you have opened a new credit card, it is crucial that you use it regularly and pay your bills responsibly. Start by using your credit card for a small purchase and pay the balance in full at the end of the month.  Get used to paying the balance at the end of each month, as this will avoid finance charges. 

STEP 5: Expand and Upgrade
After a few months of using your new credit card responsibly, check your credit report again to make sure that your new credit history is being reported accurately.  Your credit score should increase at a fairly quick rate. It is best to leave your oldest account open, but if you get an opportunity to open another account with better terms, you may want to consider doing so.

OPTIONAL STEP 6 - Guard against fraud
To guard against fraud and keep your credit healthy, sign up for a Credit Monitoring service that will quickly alert you to any changes in your report.  Identity theft is considered to be the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million.


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