Next, pay your bills on time. Using your bank’s online banking portal can allow you to set up automatic payments. These portals will also provide you with email reminders to pay your bills. Additionally, reduce the amount of debt you owe and focus on debt that has the highest interest rates first. These high rates cost you more in interest.
Be careful of companies that claim that they can repair your credit. These companies can do nothing different than you taking charge and improving your credit with the suggestions outlined above. Warning signs that a company may not be legitimate: 1) Requiring you to make significant upfront payments before they repair your credit; and 2) The company promises to remove late payments, bankruptcies or similar information from your report and the company will not provide you with their business address.