Need Help Improving Your Credit Score???

While there’s no quick fix for bad credit, taking the following steps to improve your credit profile can raise your score over time:

1.  Collections and/or Judgements-  Pay them off, not matter how small
2. Past-Due & Over-the-Limit-  Bring accounts up-to-date.
3. Pay all bills on time-  Stay focused
4.  Try to reduce your credit card debt to 25% or less of your credit line on each card.  Reduce your credit card debt to 25% or lower of your credit line   Example:  $5,000 balance on a credit card, have not more than $1,250 on that card.
5. Do NOT open more credit-  auto, credit card, appliances.  Very tempting but your are trying to get into a home- Keep your eye on the prize; your new home
6. Do NOT close credit card accounts-  This actually hurts you, just pay them off and leave them open.  This shows you handle your credit responsibly
7.  Make a list of all debt.  Payoff any credit with the highest interest rates and/or the one w/ the smallest balance.  Once you have one paid off, move on to the next one.

This is a very rewarding process.  Sounds like a lot to do but you can do it.  Little by little, step by step- you will look back and say “I DID IT!!!!