How to use our step-by-step “dispute process blueprint”

If you have been managing credit for a short time, don’t open a lot of new accounts too rapidly. New accounts will lower your average account age, which will have a larger effect on your scores if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

When you wonder why and check your credit report, you may be surprised to find one or several negative items tarnishing your score. Or maybe you’re not even sure how to interpret all of the information listed there! Once you figure out what’s on your credit report and how it affects your score, you can start your credit repair journey. Fixing bad credit is not something that can be done overnight, but at the same time, you don’t have to wait years to see improvement.

New credit tips: Re-establish your credit history if you have had problems: opening new accounts responsibly and paying them off on time will raise your credit score in the long term.

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A charge-off occurs when a creditor decides a debt is not collectible. Rather than carry it on their books as an overdue or past due debt, they can instead eliminate it from their reportable past due accounts. By charging off the debt, the company’s accounts receivable report improves; however, that doesn’t mean the debt has disappeared. In most cases, the debt is sold to a “debt buyer” who pays pennies on the dollar for the face value of the debt. By purchasing the debt, the debt buyer can now attempt to collect the amount owed (plus court fees, interest, late charges, and more) by contacting the debtor and taking them to court for the full value plus any applicable fees. If you have a charge off on your credit report, it can stay there for up to seven years plus 180 days from the original date of delinquency.

Set Up Payment Reminders – Write down payment deadlines for each bill in a planner or calendar and set up reminders online. Consistently paying your bills on time can raise your score within a few months. Pay More Than Once in a Billing Cycle – If you can afford it, pay down your bills every two weeks rather than once a month. This lowers your credit utilization and definitely improves your score.