Do you have bad credit?  If you do, then you’re not alone.  Indeed, having bad credit is not a good thing and no doubt, you want to improve it as soon as possible.  The good news is, there are positive steps that you can do to improve your credit. Consider these quick fixes:

Know where you stand.  Have you checked your personal credit report? If you have not yet requested your free credit report for this year, you can go to to order.  You can order all your three reports from the three major credit bureaus at once so BadCredityou can be sure that all versions of your report contain accurate information.

Checking your report will make you aware of your exact situation.  Perhaps your credit is not as bad as you think, or maybe it might need more serious work.  With a copy of your credit report on hand, you can evaluate each of your accounts and plan your strategy based on that.

Are there errors or unauthorized charges in your report?  If so, you should send a dispute letter to the credit bureau that issued your report right away.  Fixing an error can instantly boost your credit score.

Pay your credit cards in full and on time.  Contrary to what others think, you don’t need to carry a balance to improve your credit score.  You also don’t need to use your credit card for expensive purchases to achieve a high score.

What’s most important is how you pay off your credit card balance.  It’s best to pay off your balance in full each month so you don’t have to pay the interest. Use your credit card wisely so that your payments do not become a burden.

Avoid hard inquiries.  If you need to acquire a new credit card or a loan, do not submit multiple applications to different lenders at once.  Doing so will only damage your credit score even more.  What you want to do is spend time comparing your options and once you have the right lender, that’s the time you can submit an application.  Don’t forget to check the lender’s credit requirement to avoid unnecessary rejections as this will also pull down your score.

Keep credit usage minimal.  You want to use your credit regularly but you should keep it as minimal as possible.  In fact, you should not use more than 30% of your available credit if you want to see an improvement in your rating.

Apply for a small loan.  Aside from revolving credit, adding other types of debt to your name is a great way to improve your credit score.  An installment loan whether a personal loan, student loan or a car loan gives you the chance to prove your creditworthiness through timely submission of your monthly payments.

Acquire a small loan with just the right period of repayment.  Choose a lender that offers a reasonable deal.  Furthermore, make sure that the loan provider reports to the three major credit bureaus.  As you submit your monthly loan payments, you will strengthen your credit history and add points to your score.

By Allison May

Allison May is a credit consultant and a writer for Credit Creators. The resource provides consumers with valuable advice and information on Guaranteed Approval credit cards, Unsecured credit cards for Bad Credit and other credit-related issues. The main objective here is to help people build good credit. Add Allison on

4 thoughts on “Quick Fixes for People with Bad Credit”
  1. I always try to pay my cards in full and on time, but these days it’s a bit tough, so I don’t use my cards often anymore. My credit is growing rapidly and I am very happy with how things are going for me. I just wish I could grow my credit even faster.

  2. I just checked my credit report today and it’s not that great. I suppose I could learn to actually get my credit back up there, and I hope these techniques help me out, because I really need to grow my credit score and fast.

  3. Hi Brian, thanks for visiting. Just keep organized, make your payments on time and follow the tips outlined in this article and I’m sure you will see positive results!

  4. Hi Kimberly,
    Congrats on building up your credit score! You have some really great credit habits! Just remember if you don’t use your credit card for a while, the issuer may close it. That really sucks because it happened to me this year. I usually try to remember to use my emergency credit cards at least 5-10 times a year then put them away. I somehow forgot about it and had a really great line of credit that was more than 10 years old closed :(.

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