Credit Score Improving Your Score

8 Fastest Fixes to Repair a Bad Credit Score

Eric Rosenberg
Written by Eric Rosenberg

A bad credit score can be a nightmare. However you got there, a bad credit score can lead to higher interest rates on mortgages, car loans, credit cards, and might even prevent you from getting a loan at all.

But if you do have a bad credit score, all hope is not lost. You can take some quick steps to improve your credit in the short-term to help you get over the hump to qualify for the best possible lending options for your needs.

1. Start Making 100% On-Time Payments

The largest determining factor in your credit score is making on-time payments. In fact, on-time payments make up 35% of your total credit score. Ignoring this and looking for other, easier solutions will leave your credit score lurking in the lower levels, not rising like you want.

Starting today, make every single payment on-time. If you can’t afford to pay off your cards in full each month, make sure you always make the minimum payment by the due date.

Using automatic payments can help make sure you never forget and have a late payment. You can set that up at your credit card issuer’s website or using your bank’s bill pay with participating credit cards.

2. Hunt Down and Remove Incorrect Negative Information

Your credit report is a treasure trove of information on your past borrowing and payment habits. It can also include information about collections and judgements from unpaid rent, parking tickets, and medical bills.

According to a study by the Federal Trade Commission, one in every five credit report has errors. It would be a huge bummer to find out your credit score is low thanks to someone else’s mistake!

Thankfully, you are entitled to a free credit report from each of the three major reporting bureaus, TransUnion, Equifax, and Experian, every year. You can get that free credit report at the official government website, Once you have your credit report, give it a thorough inspection for errors. If there is anything negative that shouldn’t be there, work with the creditor or the reporting bureau to get it removed.

3. Pay Off Credit Card Balances

The second biggest portion of your credit score is determined by your outstanding balances. This 30% of your score is determined by adding up your total credit card debt and dividing by your total available balance on all of your cards. This is called your debt utilization ratio. Don’t include installment loans like mortgages or student loans when calculating your debt utilization ratio, only credit cards and lines of credit.

About the author

Eric Rosenberg

Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer originally from Denver, Colorado living in Ventura, California. When away from the keyboard, Eric he enjoys exploring the world, flying small airplanes, discovering new craft beers, and spending time with his wife and baby girl. You can connect with him at his own finance blog Personal Profitability.


  • Lexington law is the most useless company I have ever had the displeasure of working with, i couldn’t recommend them to my worst enemy ,, yes they send letters to creditors but at least for me,, they were not truthful letters. I had them 8 months and have accomplished far more in 2 months by myself then they ever have

  • I had a score of 500 Within 1 year I have a score of 750 But there keeps popping up a medical bill which gets disputed and they change there name and pop up again and down goes my score I don’t know how to hande this

  • Unfortunately I’m pretty sure if people with bad credit had been doing all these things in the first place, they wouldn’t be dealing with bad credit now. But I suppose it’s never too late to change your ways.

    • Some people didn’t have the tools or knowledge to know they were getting themselves in trouble. Not for you to judge. This is a crap comment.

      • We agree, Tracey! Not everyone is born with the tools to take care of their credit, and not everyone has someone who will teach them. That’s why we came up with The Credit Solution Program in the first place 🙂

    • Jimmy, your comment proves your youth and ignorance! Cancer, job loss, critical illness (heart, Parkinsons, etc. . . ), car accidents, businesses closing, lawsuits, death, bad banks that the government bails out and not the people they affected and things you don’t even see coming can affect your credit scores. You can have all the tools in the world, but when life throws you a complete curveball with something completely out of your control, family, not money, comes first. You can rebuild credit, you can’t rebuild corruption and death.

  • I am a California Resident who sign up with the Credit Pros in October of 2016, I am having problem with them, When i was first contacted by Elizabeth a company sales Person for the consultation i was told that they will work on the three Credit Reporting Bureaus,

    I never receive in any of the 4 Months that i am with them three report, The only Report that i am somewhat pleased with is Transunion,
    Experian and Equirfax in the last four Months i received two reports from each and nothing has been done on the reports,
    how every my credit card was charge $99.99 each month plus when i had the consultation on what to expect from the company i was charge $99.99 and was told that they will work on all three credit reporting Bureaus each month,

    When i complain last month i was told that they can not grantee the credit reporting bureaus action mainly Experian.

    • Hi Nellie,
      Have you considered our Credit Solution Program? You can improve your credit score on your own by using the process discussed in our program (which you can access here), or by calling a company like CreditPros (at 855-980-4898) and getting their help to bring your score up. Best of luck!

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