How to Repair Bad Credit

If you have poor credit, try doing the following to improve it:


Pay outstanding credit card balances. Do what you can to dig yourself out of large amounts of debt and stay on top of your payments.



Pay bills on time. Show your creditors that you can be trusted with their money.


Review your credit score. Know exactly what your score is and where you stand.


Dispute negative marks or incorrect late-payment entries. People make mistakes. Some of those mistakes could be negatively impacting your credit score.


Increase credit card limits. If you’re maxing out your credit limit every month, that will damage your credit score. Call and ask for help.



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