Bad credit is not a life sentence, which is good news for the roughly one-third of people with credit scores below 620. So if your credit is damaged, there are indeed steps that you can take to rebuild. After all, rebuilding credit is a process that takes time and requires focus on the fundamentals. And we’ll explain exactly what you need to do below.
What you don’t want to do, however, is pay for credit repair. Anyone who claims the ability to “fix” or “clean up” your credit for a fee is scamming you. There is nothing any purported credit “repair” service can do that you cannot do yourself for free.
We made the following tips as practical as possible to give you both the structure of a plan and a clue about how to actually stick to it. Knowing what to do and actually doing it are two very different things, after all. We also explored how long the hands of time will have to turn before you can put bad credit behind you, hopefully once and for all.
Here’s what you need to do to rebuild your credit.
To view the full article, visit https://wallethub.com/edu/rebuild-credit/19613/#david-roach