How To Fix A BAD Credit Score ASAP

Lets answer the question: How to fix a bad credit score FAST, and the best techniques you can use to improve your credit score as quick as possible, for totally free - Enjoy! Add me on Instagram: GPStephan

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FIRST: pull your credit report and figure out WHAT’S bringing it down.

Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:

-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures

To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it

To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk

To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization
-BE RESPONSIBLE WITH THIS

To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this

And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.

[alexeyvera]

I don’t get why they don’t teach this in school it’s like they want us to do bad

[GrahamStephan]

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[nayomeer]

This has been the most straight forward right to the point video I have found. I've been looking for a video like this for years. Many videos have to much round about dancing talk and still don't give to much info because they want you to buy their program or expertise. Ty for posting great Video. This should be part of High school senior year and college financial literacy.

[Lyle-Walters]

Dude, you taught me more in 30 minutes than the entire sum of every conversation and class I've ever encountered. Thank you, thank you, thank you! I watched your videos months ago, and I just climbed over 800!

[machomenos]

Raise your points 150+ in a few months. Its paying your credit card payment few times a month. Meaning if your minimum is 80dollars if can pay that 2, 3 times a month for 3months or so. Your credit score goes up fast

[iot]

I've just spent the last hour learning important credit info from you. Thanks.

[oliverconstantine]

This has easily become one of my favourite & the realest credit repair source maior level of mature grown conversations amongst legends intellectual mindsets, Different levels of transparency. It's authentic Dope to see Salute to *Bravenotch*

[InReality]

Just wanted to let everybody know that two months ago had a 630 credit score and I got an unsecured credit card with a $500 limit. I actually maxxed it out (sorry graham) to help pay for a minor but emergency surgery. I paid my balance in full two days before the due date. And two days ago, my credit score jumped to 673. I now officially have "good" credit!

Now it's time to keep climbing! (This is my own story, results may vary... but figured this might be helpful to somebody)

[ExxonMobilCompany]

fantastic video Everybody wants to be financially independent and live a better life. With savvy investing, an inexpensive lifestyle, and diligent budgeting, this is not difficult to do. I'm glad I realised early on that achieving financial freedom requires hard work.

[reddw]

Excellent information. Thanks for sharing.

[producermikmer]

who upgraded your credit score for you and cleared all negativity on your account report ?

[KENTUCKY-MAMA]

Very interesting! Appreciate the information. Will try ur technique.

[danieldavila]

Got my credit score from 702 to 764 in half a year thanks to this man right here. 👏👏👏

[DanielDunn]

That is extremely helpful and gives me great hope amidst finding a student loan I had specifically asked about when consolidating students loan I thought were almost paid off. With what you said I believe I can have the shackles of bad credit broken off to finally stop renting Hell. After I'm free I'll buy your platinum program. Thank you so much and I'll update you with what happens!

[brendasollers]

Amazing video, thank you for sharing this

[keyaivyjones]

This was very helpful thanks for the content

[charlottejackson]

NICE AND TRUE.. IM NOW PART OF THE 800 CREDIT SCORE CLUB ALL THANKS TO

[JosePereira-lyfb]

Thank you bro. You explained it in a way that even I can understand, lol. Subscribing.

[AshleyMona]

So I had to do a credit score check yesterday. I found out my credit score was bad but I thought it was worse than I expected. So I’m currently at 527 and now interested in building my credit score

[shadowhernandez]

Thankyou soo much this was very helpful!!! You’re the Man for this lol