Here are a few easy tips to repair your credit:
- First, you want to check your credit score to see if there are any errors on your credit. Anything that does not belong or has been paid that is still affecting your score.
- Next, set a target score for you to reach. Compare that with the average credit score mortgage companies want you to have when buying a home.
- Paying your bills on time shows you have responsible credit habits.
- If you cannot pay your credit card bills in its entirety, reduce them as much as you can.
- Avoid applying for new credit cards. Applying for new credit lines leaves a hard inquiry on your report and lenders can see that.
- Find a credit counselor to help you find solutions to your credit problems.
Be consistent with these credit habits to maintain a great credit score.