20 of the Fastest Ways to Boost Your Credit Score

If you have a 650 credit score, you aren't alone. This rating is one of the most common across the nation, and those who have it know that it creates a variety of lending difficulties.

Thankfully, it is possible to improve your bad credit score past this subprime rating and get the loans that you deserve.

The 20 Best Ways to Improve Your Credit Score

1. Start With a Credit Report

The first step in the process is to get regular credit reports from a company like Credit Karma. These reports will indicate how much you owe, your payment history, your types of credit, the number of accounts you possess, and how long you've been using credit. It will also include your rating and give you an idea of where you stand with various lending firms.

2. Spot Errors in Your Report

Don't believe your credit report to be a perfect or legally-binding piece of information. There is a strong chance that millions of people across the nation have one or more errors in their credit reports.

3. Dispute Errors

After you spot some errors on your credit report, it is possible and necessary to dispute them. You can do this in a few ways. First of all, you can contact the credit reporting bureau directly to talk about the errors.

4. Set Up Automatic Payments

After you've disputed any errors with your credit sources, set up an automatic payment system that pays your bills on time every month.

This technique is so powerful because it is progressive, meaning that your score will continue to improve slightly as you make your payments on time.

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