Do you know that a bad credit score can hinder. you from getting a loan, car, flat — even a job. But the goodness is that fixing your score is easier that institutions like banks makes seem.
Here’s how to start turning things around — even if you’re broke, in debt, or just starting out.
📉 What Hurts Your Credit Score?
- Missed or late payments
- High credit card usage
- No credit history
- Old, unpaid debts or defaults
- Too many loan applications
✅ 8 Ways to Fix a Bad Credit Score (That Work in 2025)
1. Make On-Time Payments — Always
Even if it’s just the minimum. Set automatic reminders.
Impact: This is the #1 factor for your credit score.
2. Lower Your Credit Usage
Use less than 30% of your available credit.
Example: If your card limit is £1,000, don’t go over £300.
3. Become an Authorized User
Ask a family member or partner with good credit to add you as a user.
You don’t need to use the card — just being added helps build history.
4. Use a Credit-Builder Card (or App)
Look for:
- Capital One Classic
- Aqua Card (UK)
- Experian Boost
- Self (USA) – credit builder loan
Pay off fully each month.
5.Dispute Errors on Your Credit Report
Check for:
- Wrong addresses
- Old debts marked unpaid
- Duplicate entries
Use Equifax, Experian, or TransUnion to file disputes.
6. Don’t Apply for Multiple Loans at Once
Too many applications = red flag.
Tip: Use “soft check” tools that don’t affect your score.
7. Clear Old Debts or Make Arrangements
Contact lenders to:
- Settle for a lower amount
- Arrange a payment plan
Request a “paid as agreed” update to your credit report.
8. Be Patient – Credit Fixing Takes Time
Good behaviour over 3–6 months can start raising your score.
🧠 Bonus Tip:
If you’re planning a mortgage, car loan, or business loan soon — start rebuilding credit 6–12 months before applying.
Free Tools to Use
- Experian Credit Report (free monthly check)
- ClearScore (UK)
- Credit Karma (USA)
- MoneySavingExpert’s Credit Club
Call to Action
Trying to fix your credit?
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