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Erasing bad credit

Do you need money ASAP, but worry your credit score might scare away lenders?

Here are some simple ways to improve your credit score:

1. The first step to improving your credit is to request your credit report. Once you have a copy, check it thoroughly for errors. Anything listed incorrectly can hurt your credit -- which means you may be able to improve your score by simply disputing the errors in your report!

2. Reduce the total amount of debt you owe. Seriously, try to pay off whatever debts you can, or take as big a chunk out of them as possible. By clearing even one debt, you'll see your credit score improve. And always, always pay all your bills by the due date.

3. Get a credit card. If you're the type of person who lives in fear of credit cards, you're missing out on a great opportunity to improve your credit score. You don't have to use your card for big expenses, either. Simply use your credit card for buying groceries or filling up your car, and then pay that off immediately. The constant use of a credit card does wonders for your credit score.

4. Pay your credit cards off twice a month. Even if you successfully pay your balance at the end of every month, creditors are still only reporting it once a month. If you break up your credit card payments, not only will you keep your total balance lower, but the doubled-up reporting will speed along your credit score improvement!

But remember, if your credit score is so low that banks and other lenders totally ignore you when you apply for a loan, you should try a personal loan from Atlas Credit. Our quick and easy approval process will get you $100 to $1,300 cash guaranteed, even if you have bad credit. Contact us today to find out more about our 5 to 12 month repayment plans!

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