Everyone has had a bump on the road and at some point got a blemish on their credit. It is good to know that you have options! I did this and my credit score went up by 100 points I started with a 540 credit score and I am now @ 700! None of this is sponsored this is just my personal take and recommendations!
I also forgot to mention you want to make sure none of the negative marks are out of their SOL (statue of limitations) if they are past that they have to be removed, federal law says 7 years on your credit but every state is different some states only require it to be 5 years, the state overrides that rule!! FYI 😉
2 Basic Steps!
– Dispute, Dispute, Dispute!
– Start with 3 secured cards at one time for a year!
– Credit Karma, Credit Sesame, or Annual Credit Report.com for a copy of your free credit report.
I have linked the 3 Credit Agencies for you guys to quickly access the dispute section!
EQUIFAX – https://www.ai.equifax.com/CreditInvestigation/home.action
Capital One Secured Card –
// the direct link for it was a little weird I couldn’t copy and paste it right, but this is their main page and the link is on the 1st page (: