Credit card usage tips

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2.2K views · 2.1K reactions | If I had to start over with a 500 credit score, here’s what I would do to reach 750 in 3 months

🔍 Obtain My Credit Reports:
Stop using Credit Karma and switch to  Smart Credit.

✉️ Identify and Dispute Inaccuracies:
Mark up inaccurate information such as old personal details, collections, charge-offs, or any other negative items.
Freeze secondary reports to prevent credit bureaus from verifying the collections I’m disputing.
Send dispute letters to the credit bureaus to challenge the inaccurate items.

💳 Pay Down Debt:
Focus on paying down high-interest credit card debt to reduce credit utilization ratio.
Pay off any outstanding collections or charge-offs if necessary and negotiate for a pay-for-delete agreement.

🔐 Open Secured Credit Cards:
Apply for sec Credit Card Usage Tips, Credit Card Charge Off, Boost Credit Score, Credit Repair Letters, Credit Dispute, Pay Down Debt, Fix My Credit, How To Fix Credit, Credit Education

If I had to start over with a 500 credit score, here’s what I would do to reach 750 in 3 months 🔍 Obtain My Credit Reports: Stop using Credit Karma and...

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