If you have poor credit, no credit or a bankruptcy on your record it can seem overwhelming to try to get back on track. Your credit score is now used in so many different areas from getting a loan to getting a job, so you want to start to build your credit even if you have had serious credit issues in the past.
Doing your own credit repair in Suffolk County, or any other county in the United States, can be a very difficult process. It is hard for the average person to understand how credit scores and calculated and then to figure out how to improve their score. There are many different options to get back on track, but there are also scams out there that claim to help but actually just end up costing you money.
What You Should Do
The following are three ways that you, as a consumer, can proactively address some of the issues that may be dragging your credit score down. Working with a professional, typically a bankruptcy attorney, to develop a structured approach to credit repair in Suffolk County is definitely something you should consider before starting any plan of action.
Check Your Credit Report
One of the easiest things to do for credit repair in Suffolk County, Ny is to check your credit score on a regular basis. You need to request copies from all three credit reporting agencies and make sure you review and compare the reports. Often errors are made and you may find that correcting these mistakes, by sending in a letter to dispute the information, will boost your score.
You have the right to obtain a free copy of your credit report from each of the three companies once a year. The credit reporting agencies are TransUnion, Equifax and Experian.
Pay All Debts on Time
Your credit score can be damaged by paying bills late. This includes credit cards, loans, mortgages or any other bills from companies that report to the credit reporting agencies. By staying on top of your monthly payments you can help to build up a positive payment history that will bring your score up over time.
Reduce Your Credit Card Balances
The higher your credit card balances are the more that will negatively impact your credit score. By working to pay more than minimum amounts per month and avoid charging on the cards you will again build up your score over time.
Completing your own credit repair in Suffolk County is not going to be a quick fix plan. Working with a professional that will help you get on the right track is important as it can take years to get your score where you want it to be if you don’t have a structured way to tackle the problem.
We offer a full range of solutions to help you with credit repair in Suffolk County.
