Repairing Your Credit- The Gentlemen’s Curb Plus Male Influencer

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Brain Tru

Repairing Your Credit

It’s The Gentlemen’s Curb a lifestyle blog where fashion meets fitness in a BIG way. With us being only about twenty days into the New Year, now is the time to stay focused on our resolutions. Below are some tips to help us repair our credit.

If you have or fear you might have, bad credit it can be an all-consuming concern that might make you want to bury your head in the sand… but it’s a bit like getting a medical check-up, it’s better to know where things stand and are in the empowered position to deal with them and resolve issues rather than let them spiral out of control.  The main consideration is that repairing credit is a journey that takes time; similar to losing weight and getting physically fit, it’s not going to happen overnight.  However, there are three main principles to follow when looking to repair your credit status.

FIND OUT WHERE YOU ARE: CHECK YOUR CREDIT REPORT

The first step is to check your credit report as if your score is less than desirable you are now in the empowered position to take immediate action and start repairing your credit score.  

 

The first thing is to check your credit report is for errors; as some credit reports contain many errors due to issues such as identity fraud – be sure to check there are no late payments incorrectly listed for any accounts and dispute any errors you find with the credit bureau who can be surprisingly helpful in getting things rectified.

DAMAGE MANAGEMENT: GET BACK ON TRACK

If you have missed payments, then stop worrying about this – the damage is done – all you have control over is the current moment which will directly affect what happens next, and the best thing you can do moving forward is to ensure your bills are paid on time.  

 

It can feel overwhelming, once you’ve fallen behind to get back on track, and this is when most people start drowning or burying their heads in the sand – they let things spiral out of control rather than addressing them, but think of a car with no driver… the longer that car is left to drive without direction the more likelihood of a horrific disaster.  

 

The trick is to get back on track by getting up to date with your bills, even if that involves looking into debt relief programs so that no further damage is done to your credit file – and then having the chance to start afresh and stay on track.

BUILD UP YOUR SCORE: — USE CREDIT CARDS

There are many myths around credit cards, but one of the best ways to build up your credit score is to use your credit card often and pay off the balance in full each month.  Financial organizations want to feel assured that you can manage your finances and repay credit on time; they don’t see it as a good thing that you don’t have debt – they see you as an unknown quantity, which from a bank’s perspective, spells out major risk!

 

The more you use your available credit, and pay it off, on-time each month the higher your score will be… because it shows a pattern of good behavior; rather than “no behavior” at all.  The misconception that having no credit, or not using the credit available to you, is perceived as a good thing can be quite affronting when you check your credit report to find out you have a low score due to not previously having (or using) available credit.

 

Hopefully, these principles will point you in the right direction as they apply to almost all people looking to repair their credit score.

Until next time, it’s the Gentlemen’s Curb where fashion meets fitness in a BIG way. Feel free to email us if you have a topic that you want us to cover or to express your likes and dislikes and how we can do better.

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