Regardless of the reasons you’ve gotten in over your head with debt, the fact is that your credit score has likely been affected in some way. You cannot change the past, but you can look forward to a brighter financial future if you take action to fix your credit score right away. The problem is that many people don’t know exactly what to do to improve their score – or they think they know and are actually making major mistakes. These best practices on repairing your credit score should help you decide the right strategy for you.

Best Ways Of Fixing Your Credit Score

Payment History Best Practices:
Your history of payments to credit card companies, utilities and other bills makes up 35% of your FICO credit score. So, it’s important to make payments on time, and quickly remedy missed or late payments. Going forward, ensure you don’t overlook paying a bill by setting reminders or setting up automatic payments online. If you’re having trouble staying current with all your bills, consult with your creditors to see if arrangements can be made for a lower monthly payment amount or interest rate.

Amounts Owed Tips:
The amount of money you owe to creditors makes up 30% of your credit score, so paying these down will help fix your credit score. Work to pay off credit card balances and avoid moving debt around from one credit card to another. In addition, don’t open new accounts just so that you have additional funds available. This will negatively impact your credit rating and the temptation to spend may lead you to be in bigger trouble with your score.

Types of Credit Use Advice:
The variety of credit accounts you maintain also affect your credit score. Have a small number of credit cards and manage them responsibly with on-time payments. If you have a car payment, mortgage or other installment loan, these also impact your rating. Keep current with these payments as well to fix your credit score.


Check Your Credit Report Regularly: It’s recommended that you run your credit report once a year, and all three primary credit reporting agencies do offer you one free of charge every 12 months. You should review the report carefully for two reasons:

  1. You need to be aware of any erroneous information or mistakes that were reported to the agencies. You’ll have the opportunity to contest any errors and have them removed from your report.
  2. Obtaining your credit score is the best way to see the progress you’ve made by paying your bills on time, keeping balances low and otherwise establishing good credit history. When you see the number go up, you’re inspired to maintain smart financial habits.

Credit Score Legal Help In San Diego

Depending on your circumstances, you might consider other available options to fix your credit score. The important takeaway is to move right away to improve your rating and get on the right track with your credit situation. It may be worthwhile to obtain credit score legal help in San Diego to assist you with the right approach for you.

Daniel R. Gamez, an attorney focusing exclusively in debt settlement, is licensed to practice in all state and federal courts in California and Texas. Mr. Gamez owns and operates the Gamez Law Firm in La Jolla, CA. For more information, please contact Daniel Gamez at 858-217-5051, or visit