5 Things You Can Do This Weekend To Improve Your Credit

5 Things You Can Do This Weekend To Improve Your Credit

Improving your credit doesn’t have to be a difficult or drawn out process. There are things you can do within the next few days that should make your credit report look better to potential lenders, and make your credit score go up. Here are 5 ways to do just that in a relatively short amount of time:

1. Pay down a small line of credit

Paying off a small credit card or other line of credit is great for your credit score since that line changes from “open” to “closed” on your credit report. A closed line of credit shows potential lenders that you have been trusted with credit before and have paid off your debts in a timely manner. This makes them more likely to lend to you, and it should make your credit score rise as well.


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2. Get a copy of your credit report

Ordering a copy of your credit report is easy since, by law, everyone is entitled to a free copy from each of the 3 major credit reporting bureaus every year. This is done through AnnualCreditReport.com and is completely free, no credit card needed. Once you have a copy of your credit report in hand, you can start going over it to see where exactly you need to focus your efforts in order to improve your score.

3. Dispute any incorrect information

Incorrect information on your credit report can drop your credit score without you even knowing about it. Usually the only way you can even find out about it is by looking at the report yourself and disputing the accuracy of the information with the credit bureaus. It may take several weeks for them to get the items off of your report, but it only takes a few minutes for you to get the process started. The sooner that inaccuracies are removed, the less likely it is your credit score will take a hit from them.

4. Create a budget in order to pay down larger lines of credit

Perhaps one of the most important things you can do this weekend in order to improve your credit is to make a budget and stick to it. Paying off debt is one of the best ways to improve your credit score, and make your credit report look good. While it may be impossible to pay everything off right away, having a budget in place to allow yourself to pay off debt gradually will keep you from having too many late payments, and your score builds as the amount of money you owe gets lower.


5. Offer to settle any delinquent accounts

Delinquent accounts are very bad for your credit; you should do everything you can in order to get them removed quickly, especially if you still owe money on them. Your original creditor may send the account to a debt collector, who may send it to another debt collector, and so on. This can result in multiple negative marks on your credit report all from one account that wasn’t paid on time. Most lenders will be willing to settle with you for less than you owe since it is better than getting nothing at all from you, or pennies on the dollar from a debt collection agency. Call up any delinquent debt holder and offer to work out a payment plan or to settle immediately. This stops more negative marks from showing up on your credit report, and it closes the account for good.

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