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If you want to repair or improve your credit health, here are some smart tips straight from CreditMantri’s credit experts.
Review your Credit Report
The first step is to get a copy of your latest credit report and review it thoroughly for any errors. You can get your credit report copies from CreditMantri within a few minutes.
Dispute Errors at the Earliest
In case if you spot an error then you have every right to raise a dispute to the credit bureau or you can also dispute it with your lender. You can do it either online or offline. But sometimes it's better to submit a hard copy via mail. Because mails are so convenient in terms of attaching supporting files and documents which online portals do not usually provide.
Pay all your bills on time
It's a fact that payment history makes up to 35% of your credit report. That's why it's very crucial to pay your credit card bills, loans etc on time to improve your credit score.
Be Cautious while using Credit
Many things can affect your credit scores such as over utilizing your credit card, taking out huge loans, or opening many new credit accounts in a short period of time. These can affect your credit scores to a greater extent. So, be wary and don’t overutilize credits as it can impact your credit scores negatively.
Additional Reading: How can I fix my credit by myself?