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Restoring Your Credit If you would like to improve your credit score, don't worry. No credit score lasts forever - it changes over time, so you can improve it over time. Every time you apply for a loan or credit card, use credit, or make or miss a payment, you build another entry in your credit report. You also raise or lower your credit score. Here are ways you can improve your credit score over time:

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• Don't spend money you don't have.
  If you have a budget, stick to it. If you don't have a budget, make one.
• Make the minimum payments, on time.
  You can begin to improve your credit rating right away by making at least the minimum payment, on time.
• Pay off your accounts.
  If you have several accounts with small balances, try to pay them off.
• Understand the implications of declaring bankruptcy.
  Filing for bankruptcy can keep you from getting a loan for a long time, raise your interest rates, and stay on your credit record for 7-10 years.
• Get help from a credit counselor.
  Low-cost help is available.

Fix errors on your credit report.

Sometimes, credit reporting agencies make mistakes that can damage your credit record. If you see something wrong on your credit report, fix it immediately. This is what you can do:

• Fill out a dispute form or write a letter to the credit bureau(s) and the relevant creditors explaining what's wrong.
  For example, if there's negative credit information older than 7 years or there's bankruptcy information older than 10 years on your report, it shouldn't be there. You should report it as erroneous information that should be deleted from your report.
• Keep copies of the letters you send the credit bureau(s).
• Get written verification of the change in the credit account.
  You should get written verification from the creditor and the credit bureau that your information will be updated.
• Add a personal statement to your credit reports.
  Credit bureaus are required to accept these statements if they're related to incorrect information on your report. They are not required to accept statements that explain why you were late or did not pay, but many will. Keep your statements under 100 words.