Fix Your Credit

Try this google search–quick fix credit repair (599,000 results) or fast credit repair ( 17,000,000 results)…you get the idea.  People want to fix their credit and they want to do it fast, now, today.  That’s why you are here…right?  You messed it up fast so you can fix it fast….just like my diet.  Sadly no you can’t lose 50 pounds today or fix you credit today.  But you can fix your credit and you can start today.

Simple measures to improve credit scores exist …And when these simple measures are performed methodically and consistently, (with time) they’ll reap you positive results. And it really is not that hard to do.

Unfortunately it takes time to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast.

In order to fix your credit score you need to understand what it is made up of.

  • Payment History – 35%
  • New Accounts/Credit Requests – 10%
  • Length of Credit History – 15%
  • Total Debt Percentage – 30%
  • Credit Mix – 10%

The highest credit score that can be obtained is an 850.  Consumers with credit scores under 600 are often considered risky borrowers while borrowers with credit scores of 720 or greater are considered very solid borrowers. Lets make you solid!!


Payment history is 35% and THE MOST IMPORTANT factor.  Pay on time every time!


Total debt percentage 30%.  Keep your debt down.  It’s best to have as low a credit utilization ratio as possible. In short, a high debt-to-credit ratio can mess up (aka drive down) your credit score.

The formula for calculating your credit utilization ratio is pretty straightforward. To figure it out for an individual card, divide your credit card balance by your available credit line. If you’ve only got one credit card and you’ve spent $400 out of a possible $2,000 this month, your debt-to-credit ratio is 20%.