Fix Your Credit Quickly - A Few Forgotten Credit Repair Techniques

By Joseph Crutchfield

Most people who want to fix their credit quickly usually get caught up in sending dispute letters to the credit bureaus. Some folks might actually go the extra mile and get on the phone with their creditors to negotiate lower payment plans, better rates, or reduced balances. However, in order to really boost your credit scores rapidly, you must also use a few "forgotten" techniques ...
As you progressively erase negativecredit entries in your report, you must also add positive credit profiles to your record as well. Here are a few of the easiest ways to build up your credit score quickly:

1. Keep On Time Payments
Make sure you always pay your current bills on time. Even a handful of late-pays can drop your credit score radically. If you are having difficulty, you may want to consider setting up automatic payments.

2. Manage Your Balances
Don't run up high balances on your credit cards. Try to keep your balances below the recommended 30% figure. Work at paying down these amounts and if you need to, call your card provider and ask for higher limits.

3. Piggybacking
Become a joint account holder with someone close to you. You will "inherit" their credit information on your report which can help with your score. Although this entails some risk as you both are now responsible for the one account, it will help your score in the long run.

4. Small Installment Loans
To really improve your score, you need a good mix of both revolving and installment entries. Revolving credit is ongoing as with credit cards. Installments are, of course, paid off over time. Get yourself a small, easily repayable installment loan and pay on time faithfully.

5. Subprime Cards
Get a secured credit card, gas card, and/or department store card that reports to the credit bureaus. They are relatively easy to get and, although they don't play as large a part in determining your score, they do add to the overall positive profile you are creating.

With just a little extra effort, you can change your financial outlook drastically for the better and ... in less time than you may think.

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