If you tried everything to resolve your financial problems, it may have affected your credit score even after you finally paid off your debts. Fortunately, there are a few things you can do to begin to repair your credit.
Here are three techniques to help you get back on your feet:
- Go over your credit reports.
Begin your process of credit repair by getting a current copy of your free reports from Experian, Equifax, and TransUnion. While you can get them once year from websites like AnnualCreditReport.com, these reports do not give you your credit score. You will have to pay a fee to get that information. However, if you sign up for a credit monitoring service, your credit score is included as part of the cost. A credit repair monitoring service will also allow you to check your credit several times throughout the year and be notified of any changes in it.
- Pay all your bills on time.