How Can I Repair My Credit Score?

Credit repair is the act of improving your credit score by making changes to your credit report. It’s often a slow and gradual process, but an important one, nonetheless.

A few small changes to your credit report could boost your score significantly, making a massive difference to your life. To make those improvements, take a look at these credit repair tips:

1. Get Help from Credit Repair Experts

Credit repair isn’t complicated, but it can be daunting. If you’re not used to regularly checking your credit score and find yourself getting stressed when those digits rise, it pays to have an expert on your side.

They will answer your questions, alleviate your concerns, and repair your credit score quickly and without a fuss.

Health Insurance Hero is a referral service that connects consumers to a series of trusted providers, all of which can help with a host of credit and insurance related issues.

Dial 1 (888) 479-1538 to speak with one of their advisors and get a free consultation. They will refer you to a suitable and affordable provider and ensure you get the best service.

There are no obligations and no pressure selling, so you have absolutely nothing to lose. As the name suggests, Health Insurance Hero also helps consumers find cheap insurance and positions itself as a one-stop-shop for insurance savings and credit repair.

2. Check and Monitor Your Credit Report

All three major credit bureaus are required to provide you with 1 free credit report every 12 months.

Check your report regularly and look for mistakes that could be harming your score. Credit repair firms like Health Insurance Hero remove millions of items every single year, proving that these mistakes are much more common than they should be.

Monitoring your credit score also allows you to quickly reverse the damage caused by identity theft while keeping an eye on new accounts, missed payments, hard inquiries, and more.

3. Keep Paying Your Bills on Time

If you don’t pay a bill on time, it’s not the end of the world. You have 30 days before that missed payment is reported to the credit bureaus. If it remains overdue, your creditor may charge you an additional fee and a higher interest rate.

Your credit score will also take an additional hit as a late payment turns into a default, which happens when the payment is 180 days overdue.

Your payment history accounts for 35% of your total credit score, which is more than any other element. It’s imperative that you keep paying those bills in full and on time.

If you’ve already got a few missed payments and blemishes on your report, don’t worry. Not only will they disappear after a couple of years, but their impact will fade with each passing month.

The Importance of Fixing Your Credit

A simple phone call to Health Insurance Hero, followed by a few recommendations and some crucial steps in the right direction, can have a massive impact on your credit report and your life.

An improved credit score makes it easier to:

  • Acquire low-rate credit cards
  • Get accepted for a car loan or personal loan
  • Get the home of your dreams
  • Secure lower premiums on car insurance
  • Have more options when renting a home

The average American spends over $250.000 on interest throughout their life. With a higher credit score, and the subsequent opportunities that it brings, you could shave thousands off that figure, which means less of your hard-earned cash goes to your creditors and more of it can be spent on the things that matter.

If that’s not an incentive, we don’t know what is!

Barbara C.
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