Take a call for yourself to repair credits

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Do it yourself credit repair can be defined as fixing the credits on your own. There are so many frauds promising you fixing your credits overnight don’t fall into the trap. You can repair your credits on your own. If you have a loan that is overdue or you have poor credit. Don’t worry here we are to help you to get out of this issue easily. When a comparison is made a borrower having good credit has to pay less interest but a borrower with poor credit has to pay more interest. In simple terms, poor credit means that the interest paid by the borrower will be more.

Here are some simple steps to help you solve the problem of poor credit:

  1. Before repairing your credits, you need to know about previous credit reports.
  2. Correct all the errors in the report.
  3. Once you are done with error correction, stop extra expense.
  4. Most importantly pay bills on time.
  5. Clear all credit card debts.
  6. Never apply for new credit.

Let’s elaborate on the steps for you:

  1. You can get credit reports free only once in a year. Don’t worry we will help you with that. You can try some free apps for tracking your credit scores. One such app is Credit Karma and another is Credit Sesame. Scores can range from 300 to 850. A credit score between 700 to 740 is considered good provided on the scoring method which is used.
  2. Collect all the information about your credit. Their information can include your bank account statements, credit card information, personal details, outstanding debts, etc. Once you are done collecting the information do cross-check every detail about the transactions, personal details. If there is some error write a letter to make the rectifications.
  3. To repair credit, you need to do these three things.


  • Clear your bills on time.
  • Clear all your debts.
  • You should not apply for new credit.


  1. Paying all the bills on time can help you a lot in improving credit scores. Pay your monthly phone and other utility bills on time. You can also contact your bank in case of any queries.
  2. It is important to know your credit limits and plan accordingly. Try to take minimum credits.
  3. Applying for new credit adds up to your credit score. So, avoid applying for new credit before clearing the previous one.

Start tracking your credit reports. In case you find any error, disputes or any issue with the report do check it with your credit bureaus. Hence credit repairs made easy for you. You can call it as do it yourself credit repairs.


David Cohen

Rachel Cohen: Rachel is a sustainability consultant who blogs about corporate social responsibility and sustainable business practices.

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