Can bad credit be fixed?
There’s no doubt that dealing with a poor credit rating can be incredibly stressful. Left unattended, bad credit can keep the things you want painfully out of reach — whether it be applying for a loan, a new car, a lease on an apartment, or that much-anticipated home loan.
A low score shouldn’t hold you back from your dream life. Here, we’ll explore the ins and outs of poor credit and answer the question, “Can you fix bad credit?”
Can you fix a bad credit score?
Credit scores decline for several reasons, including late bill payments and high debt-to-income ratios.
The good news is that they can and do change in-line with the data in your credit report. With the right know-how, it is possible to take steps to fix your bad score.
While some of these steps can be undertaken by yourself over time, you may also benefit from the help of a professional credit repair service.
How to fix credit rating
Let’s take a look at the steps to fix your credit score:
Fix bad credit report — The first step to fix your bad credit rating is to check your credit score and know your credit rating. At Real Credit Repairers, you can request a free credit score Australia check at least four times a year.
Look for any errors — Once you have your report, check it for any inaccurate information, such as late payments made on time, accounts that aren’t yours, and the same debt listed more than once.
Dispute or resolve any errors — This involves contacting your creditors with clear information on what you wish to dispute. Ensure you have relevant documents, such as bank and credit card statements, to back your claims.
Pay your bills on time — Payment history plays a major part in determining your credit score. Therefore, paying your bills on time will naturally help rebuild your credit score over time.
Pay down debts — Clearing outstanding debts will greatly improve your credit history and score. It may be worth considering professional financial assistance or advice in this area.
Avoid further credit — It’s best not to apply for further credit while trying to resolve your existing poor score. Hard credit enquiries and rejections from new creditors can also affect your credit rating.
How to fix your credit rating with our professional services
Navigating the steps can be confusing and daunting, especially if you don’t have experience dealing and negotiating with creditors. Engaging the services of professional credit repair companies, such as Real Credit Repairers, can make all the difference.
At Real Credit Repairers, we’ll:
Investigate negative marks — After thoroughly analysing your credit report, we’ll call the creditors that have placed marks against your name and investigate these on your behalf.
Lodge disputes — With years of experience in dealing with creditors and credit reporting agencies, we know how to remove black marks on your credit report. We’ll work quickly to identify grounds for disputing negative marks, defaults and court orders.
Improve your credit score — Finally, we’ll remove all possible negative marks before showing you the confirmation of our success.
Contact us to fix your credit score
At Real Credit Repairers, we’re your local credit repair experts. We believe that results are everything — as such, you only pay for success. If we don’t receive a 100% guarantee that the black mark will be removed from your score, you won’t be charged a thing.
Can you fix your credit score? You can, with the right professionals helping you! Don’t delay — arrange a free initial credit consultation with our expert team today!
