Improving your credit core is possible by hiring a credit expert; however, you will pay hundreds of dollars for their service. Would you still go for others to fix your credit if the results are not satisfactory? Good thing, there are do-it-yourself ways available for the public to boost their credit score. Here are some of the simple ways to improve your credit score.

1. One of the absolute fastest and easy ways to improve credit score is by correcting errors in your credit report. Deletion of errors is possible within 48 hours and your credit score can jump 20 or more points. However, it is only possible in a mortgage company or a bank. For example, you are applying for home loan and you find derogatory items in your credit report, make a request to your loan officer to do a Rapid Rescore. Nevertheless, do not oversight it as a method of numerous dispute letters. The Rapid Rescore approach needs appropriate paperwork because proofs are necessary to correct the erroneous item. It has to come from the creditor/lender directly. Some example of proofs are the following: writing a letter that states the erroneous account is not actually yours, writing a letter that states the satisfactory payment of an account, a discharge from bankruptcy, writing a letter for the deletion of a collection account or any pertinent evidence.

2. Delete any negative items in your credit report. Removal of errors is easy and simple. Erroneous information in your credit report disappears easily with a dispute letter. If you encompass the paperwork, which proves the error mentioned in Rapid Rescore approach, try sending it along with your dispute letter to the credit bureaus. Results will be faster because you make the bureaus work lighter. However, sending the dispute letter only is possible. If you do not give them proof, the credit bureaus have 30 days to investigate the item you are disputing. They will get in touch with the creditor for the verification of the dispute. After that, you will know if the is accurate or is deleted.

3. This next way is an obvious one, pay bills on time. Even if it a small or big dills, even if it 30 days or few weeks late, you must pay it according to its due date. In a loan company, paying late even if you are consistent will prompt them to charge you more interest and late fees.

4. As you pay on time, you must also pay down all you debts as much as possible. The trick here is that you should not pay off revolving account (like credit card account) fully. Try to picture this: credit score also reflects how you manage your credit. Now if you pay off any debt. You are not managing it. Can you manage a zero balance in your credit? You cannot because it is non-existence credit, thus you cannot manage it. If you do this, you show that you are capable of paying off accounts swiftly and you evade managing it. In effect, this can lower your score. However, there are exceptions like if you are over-extended to start. You should pay off the necessary accounts to create an attractive credit history, afterward, manage the remaining credits.