Take Action – Improve Your Credit Score


Improve Your Credit Score


“How do I improve my credit score?”…a question the attorneys at The Debt Doctors are very familiar with. The answer depends on a client’s specific financial situation, but there are some general ways to improve your credit score that apply to everyone.

To get started, you will want to first evaluate your credit score.  To get a free report, you can visit After you’ve pulled your report, carefully review it and identify if there are any mistakes.  If there are, dispute the mistakes directly to the credit bureau. If the mistakes are not fixed, you can call The Debt Doctors.

Next, you should try to establish 2 years of on-time payments for all of your accounts. This is a very important step since lenders look closely at your last two years of credit history. You will also want to utilize your credit by making sure you have at least 3 open accounts.

Additionally, it’s essential to have available credit.  If you don’t and all your credit cards are maxed out, your credit score will go down.


The best ways to improve your credit score:

  1. Pay your bills on time—not paying them on time can have a significant impact on your credit score


  1. Make sure you keep your balances as low as possible on all of your credit cards


  1. Only apply and open new credit cards if you absolutely must


  1. Don’t just move your debt around—pay it off


  1. Use the credit you have—show your ability to manage your credit responsibly


Remember—time is your friend when trying to improve your credit score. After all, fixing a bad credit score doesn’t happen overnight. You can even rebuild credit after bankruptcy—it will take you 2-4 years to get your score back at a good healthy level. However, you can start rebuilding credit right after your bankruptcy discharge (something people are not always aware of).

You should also keep in mind that your credit score goes up when you engage in behaviors that banks like. But be careful because they may not be what’s best for your finances. The best indication of a healthy financial situation—cash. Make sure you budget to save your money and fund retirement. To learn more about how to improve your credit score and turn around any financial distress you may be facing—contact The Debt Doctors today.

Share This Post


  1. anirudh

    nice one i used to have a question how to improve my credit score but the i got my answer to that question.

  2. Steve @

    Credit repair is not easy but this is an excellent guide to get started with. You need to take massive action to see massive results and improvement with your credit score. Create a plan and stick to it and you will see results.

  3. Darrin Roseborsky

    These are some very useful tips to improve credit score. Many people need mortgage to buy a home but because of a bad credit score they do not qualify for a mortgage. A good credit score is important to get the mortgage for a home and this is among one of those tips that I provide to my clients. This post can be insightful to many of them.

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