It is impossible to rewrite or make changes to the formed credit dossier neither for a fee nor for free. You can change your credit history for the better, thereby raising the rating score, by making new positive entries indicating that you have received new Bad credit car loans guaranteed approval products and a responsible attitude to debt repayment.
Before you increase your credit rating, you should know that you should not rush to close your debt. In this case, every positive entry counts.
Checking the credit report: To develop tactics for improving your financial reputation, you need to start by requesting, obtaining and studying your credit history. It is important to make sure that all entries are correct.
Timely repayment of debts: Keep a close eye on debt repayment terms. Try to make a monthly payment, not on the date indicated in the schedule, but 2-3 days before it. This will allow timely repayment not to be affected by force majeure circumstances: weekends, technical problems, lack of electricity. It is the indicator of payments that plays a decisive role in calculating the credit rating.
Loan: Applying for a loan is a real step toward improving your credit rating:
- Loan approval will allow demonstrating financial activity;
- accuracy in fulfilling obligations – discipline and reliability.
- New loan agreements closed on time will certainly affect the growth of the assessment score.
Credit card: According to experts, credit cards are issued to borrowers who have a credit rating that is not even zero, but goes into the red. Using credit funds for cashless payments and replenishing the balance on time, you can rehabilitate yourself and qualify for an improved assessment.