fix my bad credit

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Credit repair is necessary for some, it's not the only way to increase your credit score, it is possible and this guide shows you step by step how to do it your self and a process, and it will take time and effort.

Credit Repair Matters :

Nearly all large banks also build and use their own proprietary statistical models for credit scoring purposes, often in conjunction with the FICO score or other outside scores.

Pay down each individual balance. It may make sense to move balances between cards so no single balance is at more than 30% of its capacity. The 30% line may be difficult to reach — try to increase credit limits, or at least reduce card balances to less than 75% of capacity. This contradicts the advice many credit companies give when trying to get new customers to transfer balances, managing line usage below these thresholds will lead to a higher score than consolidating everything into one credit line and maxing it out. This will require more bills to be paid each month, so requires extra work on the part of the consumer.