What if there was a way to delete bad credit and completely turn your financial life around?
I’m sure you’ve heard about people going from a miserable score of 545 all the way up to a much prettier score of 700+. In this post, you’ll find out some of the basic guidelines for fixing your credit.


Step #1: Review Your Credit Reports
The first thing you need to do is review your credit reports. You’ll see all accounts you’ve had in the last seven years and you may see older accounts that haven’t gone away yet.
Take note of all negative marks written next to your accounts – even if you think nothing can be done about them. I’ve seen some of the ugliest collections completely disappear from my students’ credit reports, so don’t lose hope!


Step #2: Dispute Negative Marks

Next, you’ll dispute all negative marks on your accounts, even the ones you think won’t budge. You’d be surprised to hear how many folks can boost their scores just by disputing it.
Creditors get busy and may not have the time or resources to fight your dispute, and this can easily fall in your favor. Dispute all collection accounts, judgments and late payments, and then move to step #3.


Step #3: Use Less Than One-Third of Your Credit
Step #3 is one of the most difficult to achieve because it takes discipline and may require you to work a little harder. Experian, Equifax and Transunion look at how much credit you’re using out of what has been offered to you.
Fixing your credit using this method involves making sure you only use one-third of your credit limit. So, if your credit limit is $10,000, aim to keep your balance below $3333. Here are some ways to do this:


Pay down debt. Work a side hustle and pay down your debt until it’s under one-third of the total limit. This requires a lot of effort, but it’s the sure-fire way to get your balance down.
Increase credit limits. Call your creditors to have them increase your limits, which will help to automatically lower your credit usage. Just remember not to use the additional credit.
Level the balances. Make sure your credit to debt ratio is an even one-third on each card and never max out any single card. You may need to do some balance transfers to pull this off.
Open another credit card. The amount of credit extended to you will increase if you open another card. This can be a good thing if you don’t use the credit you get, and you maintain your debt to below one-third of the total limit on each card.

Step #4: Pay Bills on Time
Paying your bills on time is a biggie in the credit world. When you miss payments, it looks bad on your record, and it shows lenders they shouldn’t trust you.
Autopay is the best way to make your payments on time. If you have inconsistent income or you’re unsure how much to pay each month, just set your autopay to always pay the minimum monthly amount. Then revisit your account later during the month to make a larger manual payment.


Fix your credit by reviewing your credit report, disputing negative marks, using less than one-third of your credit and never paying late.

If you do these things, you’ll see an incredible improvement in your credit score!

And if you need a little help, I highly recommend you check out our Flawless Credit Guide. It’s our most popular resource for deleting bad credit and restoring your good name.

Got unsightly things on your credit report that you think will never ever go away? Let us show you how we can help => click here to schedule your FREE consultation today!

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