Just remember that credit repair is a process. ​
On top of multiple rounds of letters, one of the easiest ways to help your credit is to use your credit cards the proper way. ​
Here are 6 tips you should keep in mind when using your credit cards:
  • Keep costs in mind: Interest isn’t the only expense to be aware of as you shop around for the right card. Look out for annual fees, late payment fees, and balance transfer fees when you review your options. ​
  • Focus on your score: Do what you can to build up your credit score so you can be eligible for advantageous rewards cards. ​
  • Reduce credit utilization: 30% of your credit score is based on how much of your available credit you use. You want to keep that number at 10 % or lower than your maximum borrowing limit to get the best results. ​
  • Keep your accounts open: Closing out a credit card can hurt your credit utilization and your credit history, ultimately damaging your score. If there’s no fee and the card has a high credit limit, it’s wise to keep the account open. ​
  • Pay on time: No matter what, always strive to pay at least the minimum every month. If that means spending less, so be it. The potential fees and damage to your credit score aren’t worth it. ​
  • Track your scores and accounts:Always log in to check your account activity and make sure that any purchases showing up are ones you made. Likewise, check your credit score. If it drops unexpectedly, it could be an indicator of identity theft or a miscalculation on the credit reporting agencies' part.
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Jackie Lavielle
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Just remember that credit repair is a process. ​
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Financial literacy, How to repair your own credit
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