The Ultimate 30 Minute Credit Repair Solution -

Fixing a bad credit score can seem like an impossible task, but there’s no need to get overwhelmed! Here’s 3 steps you can take in the next 30 minutes to get started on the road to credit repair and a great credit score!

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Several years ago I found myself in a ditch, so to speak. I had no savings, I was in desperate need of a reliable car, but due to my low credit score, I couldn’t get financing.

Just how low was my credit, you ask? A whopping 515!!

Fixing a bad credit score can seem like an impossible task, but there’s no need to get overwhelmed! Here’s 3 steps you can take in the next 30 minutes to get started on the road to a great credit score! #creditrepair #creditfix #creditsolution #creditrepairtips #credithacks #credittips

Yep. It was bad.

I ended up buying a beat up old car with money I got from a friend. It wasn’t great but at least it took me to work every day.

This solved the immediate problem I had, but I knew I was going to have to fix my credit if I wanted better options in the future.

It seemed like an impossible task to me. I didn’t know where to start.

However, once I began, I gained momentum, and I didn’t stop until my credit was almost 700.

Want to know how you can fix your credit as well? Surprisingly, there’s several things you can do in 30 minutes or less that will help you get started.

Here’s what I did!

I Checked My Credit Report

The first thing I did to begin my credit repair was pulling my credit history, or credit report. There are several ways of doing this.

You can go to www.annualcreditreport.com which allows you to get your free credit history for free once a year, or you can get it through myFICO, where you can see your credit score as well as your credit report.

Either way, it will take you about 5 to 10 minutes to sign up and get your report. I highly recommend myFICO as it will give you the most accurate picture of your credit report and score.

When I checked my credit back then, I was completely overwhelmed.

There were sooo many accounts in collections and so many other past due. I felt like giving up, so I knew I had to do something to keep me motivated.

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I Set Goals

The second thing I did was to comb through the data and set very attainable goals for myself. I saw there were a couple of accounts in collections that were very low dollar amounts.

One was from a doctor’s office that never billed me for a $50 copay. The other one was from a utility company that never sent me the last bill of $35 when the account closed.

I knew I could come up with an extra $85 fairly easily just by moving some things around in my budget, so I set a goal for myself to pay off at least these two accounts within a month.

To keep the momentum, I organized the accounts that were past due or in collections in a way that I could easily manage.

My next goal was to get current on a bill I was behind on by a couple hundred dollars. I left the bigger bills for last since those would take me more time to deal with.

In total, organizing these bills and setting up goals to pay them took me about 5 minutes, but it helped me see things clearly.

It also helped me not feel so stressed and overwhelmed. Instead of looking at the entire picture, I focused on smaller, more manageable chunks!

I Made a Couple of Calls

Making a couple of calls to your creditors can help you resolve some late payments

The last thing I did was pick up my phone. I called the two creditors I had earmarked to deal with first and I paid off those invoices.

Then, I made calls to creditors I owed larger amounts to and asked for a payment arrangement or any kind of leeway they may give me.

Surprisingly, many creditors were willing to work with me and set up payment arrangements for me. Of course, several creditors didn’t offer me anything at all, so I tabled them for the time being.

Eventually, I did call again… and again, but the initial phone calls took me a little over 15 minutes total!

A word of caution:

Before you make any phone calls, please check the date when the account first went into default.

Each state has a “statute of limitation” on debt collection. This is the number of years that a collections agency can bug you to pay off that debt.

However, if you acknowledge the debt or attempt to make a payment on it, this may reset that clock back to zero.

So if you don’t want to deal with pesky debt collectors for years to come, verify with your state attorney general’s office what the laws are in your state in regards to debt collection.