No matter how bad your credit may be, it can always be repaired, restored and rebuilt. It cannot be done overnight, but when you take the right steps, you can look forward to having good credit and all the benefits that come with it.
If your credit is bad, your credit report is a probably full of errors, inaccuracies, and could have old, long-resolved issues still hanging around. It may represent you at rough time in your life, and even though you’re paying all your bills on time now, your credit report is still keeping you from getting low interest rates on loans and credit cards.
The best way to clean up your credit report is to get a credit repair professional on your side. One call to Credit-Yogi, and we’ll put you in contact with a pro who will provide a free credit analysis, free consultation, and then get to work restoring your good credit.
Last updated November 2019.
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If you still have outstanding debts on your credit report, you need to be proactive and work out a reasonable payment plan with your creditors. You can do this on your own, or we can connect you to a reputable credit counselor, who will work on your behalf to negotiate better terms. You can do this while your credit repair professional is repairing your credit report.
Restore My Credit
A lot of people assume that after repairing bad credit, the way to rebuild your credit is to stop using credit and pay cash for everything. But the truth is, acquiring new credit and paying it off promptly is the fastest way to rebuild your credit.
Apply for a credit card, and use it ONLY for the purpose of rebuilding your credit. If you don’t qualify for a regular credit card, you can apply for a secured credit card. The interest rates may not be as high as you might think, but you’re going to pay off the balance on time to avoid all interest charges. Here’s how to do it:
You can also apply for a store credit card. There are several advantages to doing this – you usually get a discount on your first purchase, and you can pay off the balance immediately. So, you could buy a pair of jeans, open a store credit card, get a discount, then use cash or a debit card to pay off the balance right there at the register. Then you don’t have to even worry about paying the bill later.