I want to fix my credit score fast - bad credit need help

Discussion in 'Personal Finance Q & A' started by LaughDontCry, Jul 25, 2016.

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  1. LaughDontCry

    LaughDontCry Newbie

    I want to fix my credit score fast. One day I want a home of my own and the only way I can get a mortgage from a bank is by improving my credit score. I have managed to save for a down payment and I've got a job and my salary is going up nicely and one day it will be at a level where I can afford a home of my own. I have poor credit and I want to fix my credit score fast. I know the usual tips to improve my credit, if anyone knows any smart quick fixes for credit score please let me know.
    Miles and Alistair like this.
  2. Alistair

    Alistair Newbie

    Here's what I did to fix my credit score fast.

    1. Get on the voters list and make sure this address is on Credit Report
    2. Settle old accounts, don't keep on paying the minimum payment on old accounts over 12 months
    3. Pay slightly more than the minimum payment
    4. Pay 7 days before the due date

    This should fix your credit score quickly...
    Miles likes this.
  3. Miles

    Miles Newbie

    One strategy I used to increase and fix my credit score fast was as follows. I actually got the tip on this Forum but cant remember who from. The strategy works as follows

    1. Spend 50% of your credit limit on one card
    2. Pay the minimum payment for the next 5 months
    3. Pay double the minimum payment for the next 5 months
    4. in month 11 and 12 pay the balance off in full so you have another settled account
    5. Also do not apply for credit all the time as this reduces your credit score

    This should fix your credit fast. Credit card companies like to see the above practiced. This way they make money and they get the money back quickly.

    Hope this helps.
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