How Do I Rebuild My Credit?

Okay, you've already hurt your credit. What do you do now? Repairing your credit – getting rid of the negative credit report information and caught up on past due bills – will raise your credit score some. To raise your score to a level high enough to get loan approval and better interest rates, you’ll have to rebuild your credit – and prove that you can handle credit responsibly. Getting started might be difficult, but once you begin to build momentum, you’ll be coasting your way to a good credit score.

Get New Credit

If you don’t have any credit cards you can use, the first step is getting one. If you’re credit score is low, you’ll have a hard time getting approval from a major bank. You still have some options.

Account Now Visa

Account Now Visa, backed by a popular and trusted name in credit, guarantees your approval 100%, which is pretty difficult to find if your credit rating has gone to bad or worse. They have no credit check, no overdraft fees, no minimum balance, no bounced checks, and no additional verification. Account now is backed by the BBB, and protected by VeriSign. Insured by FDIC. Add your money to give yourself a line of credit, then spend it, pay your bill, and get reported on good behavior to the credit bureau, which increases your credit score. A very good choice.

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