Credit repair

How To Get A Charge-Off Account Off Your Credit Report | New Horizon

609 Credit Dispute Letter1 | PDF | Credit History | Social Security Number

2.2K views · 2.1K reactions | If I had to start over with a 500 credit score, here’s what I would do to reach 750 in 3 months 🔍 Obtain My Credit Reports: Stop using Credit Karma and switch to Smart Credit. ✉️ Identify and Dispute Inaccuracies: Mark up inaccurate information such as old personal details, collections, charge-offs, or any other negative items. Freeze secondary reports to prevent credit bureaus from verifying the collections I’m disputing. Send dispute letters to the credit bureaus to challenge the inaccurate items. 💳 Pay Down Debt: Focus on paying down high-interest credit card debt to reduce credit utilization ratio. Pay off any outstanding collections or charge-offs if necessary and negotiate for a pay-for-delete agreement. 🔐 Open Secured Credit Cards: Apply for secured credit cards to start building positive credit history. Use the cards responsibly, keeping the utilization below 30%, and pay off the balances in full each month. 👥 Become an Authorized User: Ask a family member or friend with good credit to add me as an authorized user on their credit card. This can boost credit score by leveraging their positive payment history. 📅 Use Credit Wisely: Make all payments on time to build a positive payment history. Avoid opening new credit accounts unnecessarily, as hard inquiries can temporarily lower score. By following these steps diligently, you would aim to significantly improve credit score and reach 750 in 3 months. Secure your future 🙌💸 Think wise. Act smart. Comment “Info” for more credit tips Sign up today! Link in bio! 🔗👆 ☎️ 469-701-1927 #creditrepair #credit #creditscore #creditcard #creditrestoration #credithelp #creditmatters #creditcarddebt #creditgoals #creditconsultant #rcd #robinscreditdevelopment #bankruptcy #latepayments #collections #repossessions #medicalbills #eviction | Robin Kinney