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There’s more to credit repair than just getting rid
of the negative information. You need to ensure that any positive
information that can be included in your file actually is.
1. Try to Get Positive Accounts Reported: You know that the
credit bureaus typically don’t share information, but
it can be frustrating if one of your good, paid-on-time accounts
doesn’t show up on all of your credit reports. What’s
worse is when a credit account isn’t reported at all.
Some creditors simply don’t bother to use credit bureau
services, and others deliberately hide the histories of their
best customers for fear that their competitors will swoop
in.
Although you can’t force a creditor to report an account
to a bureau or report more frequently, you can always ask.
Sometimes it’s all but impossible to get your on-time
payments recorded. Most landlords, utility companies, and
phone companies will only report you to the credit bureaus
if you screw up. (So be sure you don’t screw up.)
2. Borrow Someone Else’s History: Being added to someone
else’s credit card account as an authorized user can
instantly improve your credit report if that person’s
credit is in good shape. (The opposite can also happen, so
make sure you pick the right person.) A cooperative credit
issuer imports the card user’s account history into
your report so that you can benefit from the other person’s
good financial habits. Not all credit issuers do this import,
though, so it’s important to call first and ask. There’s
another plus to being an authorized, rather than a joint,
user: You’re not liable for any debt the original account
holder runs up.
3. Get Some Credit or Charge Cards If You Don’t Have
Any: You need to actively use some plastic to rebuild your
score. Although it’s anyone’s guess how many cards
are optimal, it’s a safe bet that you’ll eventually
need more than one - but less than a dozen. If you still have
accounts you can use, that’s great. If your accounts
have been closed, you’ll need to start from scratch.
4. Apply for a Secured Card: Secured cards give you a credit
limit that’s generally equal to the deposit that you
make. You want a card that reports to all three credit bureaus,
that doesn’t charge an application fee or outrageous
annual fees, and that converts to a regular, unsecured card
after 12 months or so of on-time payments.
Get department store and gas cards. These cards tend to be
the easiest unsecured plastic you can obtain. After you’ve
had your secured card for a few months, apply for one of these
- and perhaps a second one about six months later. Don’t
rush this process, because applying for too much credit in
too short a time period can hurt your score.
How to Build Credit
in Your Own Name After a Divorce
If you are married, separated, or divorced, and most of the
credit you obtained is in your spouse’s or ex-spouse’s
name only, you should start to get credit in your name, too.
Getting credit in your own name is also an excellent strategy
for repairing your credit if:
a) All or most of your financial problems can be attributed
to your spouse, or
b) you and your spouse have gone through financial difficulties
together, but most credit was in your spouse’s name
only.
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