Improve Your Credit Score in 30 Days

Your credit score affects your most significant life decisions: buying a car, home, or making any big purchase. Bad credit will affect your budget with higher interest rates on borrowed money, so eventually, you end up paying more.
Nick Sadowski

By Nick Sadowski

Your credit score affects your most significant life decisions: buying a car, home, or making any big purchase. Bad credit will affect your budget with higher interest rates on borrowed money, so eventually, you end up paying more.
Is your credit score not where you want it to be? Well, let’s try to improve it quickly with some simple steps. Take a look at the factors that determine your credit score:

  • 35% payment history
  • 30% of accounts owed
  • 15% length of credit
  • history
  • 10% new credit
  • 10% credit mix

The goal is to make some simple moves right away and start seeing credit score improvement as soon as 30 days later.

1. Remove Errors From Your Credit Report

Your credit score may be inaccurate, according to a study by the Federal Trade Commission, one out of five credit reports contain errors. Start by getting your credit report and going over each creditor account, the debt amount, payment history, etc. You should be able to spot errors, for instance, if you find an “unpaid” balance that you know you already paid or a bill in collections you know never existed, you can dispute it and raise your credit score immediately. Request a free Equifax, Experian, and TransUnion credit reports at annualcreditreport.com or by calling (803) 261-7851.

2. Stay on Top of Payments

Your credit score is a reflection of your ability to pay back debts, and a history of timely payments is a good indicator you’ll handle future obligations responsibly. Payment history is a major factor determining your score, so make payments on time, avoid defaults, repossessions, foreclosures, and third party collections. Set up payment alerts with all your credit cards and loans. Anything that would indicate non-performance of liability is going to harm your credit score.

3. Fix Your Late Payments

Delinquent payments can remain on your credit report for up to seven years. If you have a history of late payments, ask your credit card issuer or lender if they can forgive that incident. Maybe you were on vacation, or the check got lost in the mail – credit card companies are pretty forgiving if you have a good track record of on-time payments. Remember, closing an account won’t make late payments disappear.

4. Consolidate Your Debt

If you struggle with multiple credit card payments and insane rates, consolidate all that debt into one simple loan. There are companies like Upstart (upstart.com) that specialize in jumbo loans to cover your credit card’s tab. Use that loan to pay off your smaller accounts, then make monthly payments to repay one loan. It could lower your monthly payments and help you pay off that debt much faster. Plus, no more credit card payments. It’s easy to check online if you qualify, it takes just two minutes, and it could save you thousands of dollars.

5. Use the Right Amount of Credit

Your credit utilization ratio has the second-highest impact on your credit score. It refers to the amount of credit you’re using versus your credit limit. For example, if your credit card has a $6,000 limit, and you’ve accumulated a $3,000 in debt on it, your credit utilization rate is 50%. The goal is to stay under 30%, but the lower, the better. If you can’t be within 30% right away, call your credit card company and ask to increase your credit limit. But please be careful, you may be tempted to use the new credit line – DON’T, be cautious with your spendings.

6. Let Professionals Handle Debt Collectors

As long as you’re making payments on time, borrowing money can help your credit score. If you stop paying, you’ll risk the account falling into collections.
If you’ve been getting phone calls and mail from debt collectors, try to seek professional help from a credit repair service. They will help you clean up your credit report and deal with collection agencies. If you need assistance, you can contact us, Click Here and we will refer you to the right agency. They will contact your debt collectors to have negative marks on your credit report removed, among other steps to improve your credit.

Your credit score can update as frequently as every day; however, it’s more likely to see changes appear on your report in about 30 days. If you need to get your score up quickly, don’t wait, get to work today, so you can start seeing improvements in 30 days.

Most credit scores operate between 300 to 850 points. The credit ranges generally look like this:

  • Excellent Credit: 750+
  • Good Credit: 700-749
  • Fair Credit: 650-699
  • Poor Credit: 600-649
  • Bad Credit: below 600

We’ve assisted customers with Poor Credit to get their own home using our extensive network of credit repair bureaus and specialty lenders. Call us today at (803) 261-7851, we will work with your unique situation and refer you to the right place!

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The FixPads Standard.

All FixPads are renovated to the same standard to ensure quality. Expect freshly painted walls, updated floors, bathrooms, and new appliances. Each property is fully inspected before you move in.

This is how we rebuild Middle America

We search for distressed
properties in that are
fit for restoration.

We search for distressed properties in that are fit for restoration.

After the acquisition,
we deploy our crew and start
demolition & clean up.

After the acquisition, we deploy our crew and start demolition & clean up.

We renovate the
house with high
standards in mind.

We renovate the
house with high
standards in mind.

We install
efficient & updated
appliances.

We install
efficient & updated
appliances.

We deploy our cleaning
crew and prepare house
for rental or for sale.

We deploy our cleaning crew and prepare house for rental or for sale.

Finally,
we’re ready
for your
move…

Finally,
we’re ready
for your
move…

The FixPads Standard.

All FixPads are renovated to the same standard to ensure quality. Expect freshly painted walls, updated floors, bathrooms, and new appliances. Each property is fully inspected before you move in.

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Brand New Amana Microwave Oven

Beautiful Granite or Prefab Pro Formica Countertops

Brand New Amana Cooktop & Oven Oven

Prefab Engineered Vinyl Plank Floors

Brand New Sinks and Faucets

Brand New Cabinets with Self-Closing Doors

Brand New Amana Dishwasher

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New Doors

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Brand New Carpets

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New Outlets & Switches

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Freshly Painted Interior

Beautiful Granite Countertops

Nickel-Plated Fixtures

BATH
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30-year Architectural Shingles Roof

New Windows

New Doors

Fixed/Upgraded Porch

Vinyl Shake Siding

BUILDING

Improve your Credit Score,
a few points can make a big difference!

Improve Your Credit Score

We’ve partnered up with Credit Repair Companies to help you boost your credit score. Let’s talk about eliminating the barriers to healthy mortgage options.

Our credit repair partners will help you:

Speed up the approval process by improving your credit score and telling the story of who you really are as a person.

Help you save thousands of dollars on high-interest rates due to less than ideal credit scores, likely due to no fault of your own.

Don’t Let Credit Ruin Your Home Buying Opportunity; Home Ownership is Closer Than You Think!