Independent Democracy

Thought provoking commentary

10 Things You Can Do Today To Improve Your Credit

Before you read this post, I want to recommend a great book that clearly explains (in simple language) how to improve your credit score. It’s called The Road to 850 (Proven Strategies for Increasing Your Credit Score) by Al Bingham. I recently attended one of his seminars then went home and bought the book. He really knows his business and the tips have been a wealth of knowledge and have greatly helped me improve my score. Please consider purchasing his book The small cost for the book will come back to you many times over with a better credit score. is the only place I know that sells it. Click the link or the book image to order it.

It’s really sad that is more interested in driving traffic to their website in an effort to increase profits than allowing a blog to pass on some useful information to help people. The original post here was listed on the website. LaToya Irby, the author of the original article sent me the following comment:

Hi! I appreciate your interest improving credit. However, this article is copyrighted and cannot be reproduced without permission from If you would like to purchase reprint rights, you can do so through

Threfore, this blog post has been changed to give credit to and LaToya Irby for every tip listed. I’s unfortunate that a company can provide some good information but at the same time still care more about profits than anything else.

An article I read authored by LaToya Irby said “blemished credit is both stressful and costly, but it’s not the end. As hopeless as the situation might seem, bad credit won’t last forever.” LaToya Irby says “there are things you can do right now to begin improve your credit score.” The tips listed below originally appeared on Each tip is given the proper source credit.

1. Stop using your credit cards
According to LaToya Irby on, “in a bad credit situation, one of the worst things you can do is continue accumulating debt by making credit card purchases.” LaToya Irby says “put your credit cards away until you have more control of the situation.”

2. Get a copy of your credit report
According to LaToya Irby on, “you can’t begin repairing your credit until you know exactly what you need to work on.” LaToya Irby’s advice is to “obtain a copy of your credit report from each of the three major credit bureaus to find out which accounts need work and which are just fine.”
How to Get a Free Credit Report

3. Clean up your credit report.
According toLaToya Irby on, “if your credit report contains incorrect information, you have the right to have it removed. Your credit report will include information about disputing inaccurate information with the credit bureaus.”
How to Dispute Credit Report Entries

4. Get current on delinquent accounts
According to LaToya Irby on, “your payment history makes up 35% of your credit score.” LaToya Irby says “getting current on your delinquent accounts will have a great impact on your credit.”
5 Principles of Making Credit Card Payments

5. Don’t put in any more credit applications
According to LaToya Irby on, “as long as your credit is in repair mode, you should avoid making any more applications for credit.” LaToya Irby went on to say “it’s likely that you’ll get turned down for credit and the applications will only decrease your credit score.”
How Inquiries Affects Your Credit

6. Keep accounts with balances open
According to LaToya Irby on, “you might be tempted to close out credit card accounts that have become delinquent, but wait. Before you close any account make sure it won’t negatively affect your credit.”
Five Credit Cards You Should Never Close

7. Call your creditors
According to LaToya Irby on, “right now they’re certainly the last people you want to talk to, but you’d be surprised at the help you might receive. Talk to your creditors about your situation.” LaToya Irby said “many of them have temporary hardship programs that will reduce your monthly payments until you can get back on your feet.”

8. Pay off your debts
According to LaToya Irby on, “you will have to start paying off your debts to improve your credit situation. If you don’t have the money on hand, sell some of your belongings to speed up the process.” LaToya Irby says “it will be a sacrifice, but the financial freedom you gain will be worth it.”
Making a Get-Out-Of-Debt Plan

9. Get professional help
According to LaToya Irby on, “resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling“.
Credit Counseling Basics

10. Be patient
According to LaToya Irby on, “your credit wasn’t damaged overnight, so don’t expect it to improve in that amount of time.” LaToya Irby says “continue paying your debts and over time you will see an improvement in your credit.”

February 19, 2008 - Posted by | Helpful Resources, Money |

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