Step by step credit repair

Linda Brown

Jun 26 • General discussion

Ready to Fix Your Credit? Here’s How to Start – Step by Step 🧾✨

Want better credit but don’t know where to begin? Follow these simple steps to start your credit repair journey today:

1️⃣ Pull Your Credit Reports

Get your free reports from all 3 bureaus (Experian, Equifax, TransUnion) at www.annualcreditreport.com

2️⃣ Review for Errors & Negatives

Look for late payments, collections, charge-offs, or accounts that don’t belong to you.

3️⃣ Dispute Inaccuracies

Send dispute letters to the credit bureaus to remove or fix incorrect or outdated items.

4️⃣ Pay Down Credit Card Balances

Lower your credit utilization to boost your score—aim for below 30% (ideally under 10%).

5️⃣ Make On-Time Payments Only

Payment history is 35% of your score—never miss a due date again.

6️⃣ Add Positive Accounts

Use credit builder loans, secured credit cards, or rent reporting services to add positive history.

7️⃣ Monitor Your Progress

Track your score monthly and stay consistent—it’s a marathon, not a sprint 🏁

📲 Want help with the process? Join my credit repair chat or message me to get started!

#CreditRepair #FixMyCredit #Reaching850 #CreditTips #StepByStepCredit #CreditGoals

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