How Do I Improve A Poor Credit Score

How Do I Improve A Poor Credit Score


How do I improve a Poor Credit Score?


The first step is to make sure your credit report is accurate. Every year, you can pull a free credit report at http://www.annualcreditreport.com.

How long will negative items stay on my report?

Foreclosure will stay on record for 7 years and can negatively impact a score between 85-160 points. Chapter 13 bankruptcies stay on file for 7 years and Chapter 7 bankruptcies for 10 years. Both reduce your score by about 130-240 points. 30-day mortgage delinquencies reduce a credit score between 60-110 points, and the impact is higher for 60- and 90-day delinquencies.

What are some tips for maintaining a good credit score?

  • Set up a periodic bill-paying schedule to ensure on-time payments.

  • Develop a budget. Try free budgeting software online like Mint.com.

  • If you’re having trouble making ends meet, contact your creditors to try to modify your repayment.



Nashville, Brentwood, Franklin Properties for sale Dianne Clayton

 Exit Realty of the South   701 President Place   Suite 150   Smyrna, TN  37167

 615-207-0037     Cell        615-220-0700     Office       

Each Office Independently Owned and Operated



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Lanna Smith
701 President Place, Suite 150
Smyrna, TN
615-477-1667
615-625-7939

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