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In order to establish what your actual credit rating is, you may want to check your credit score online.  When you do this, you will also usually get information on what is affecting your score the most.  This will give you a better idea as to the changes you need to make to improve upon this.  Below we have highlighted some top tips on how to repair your credit rating.

Pay your Bills in a Timely Fashion

It may seem obvious ? but to avoid the need for further credit repair ? you need to make sure you pay your bills on time.? This will be looked upon favourably, as it is an indicator that this is how you will make future payments.? Make sure you pay your bills by their due date.? This doesn?t include solely credit card bills ? but things like your mortgage, rent, utilities etc.? If need be, set up standing orders or direct debits to do this to make sure there is no room for human error.

Only Apply for New Credit Accounts When You Need them

Some people think that getting a credit mix and applying for new accounts will help their credit score ? however this is a myth, you are most likely better contacting a credit repair company like Go Clean Credit instead.? When you apply for unnecessary credit ? it sends off the wrong signals, and actually can make your debt worse if you are then tempted to overspend.? There is also the consideration that every time you apply for a new credit card, this will result in a ?hard inquiry?.? When there are too many of these ? it can negatively affect your score and will stay on your report for 2 years.

Check for Inaccuracies on your Report

There is always room for error.? As such, you should check your credit reports from more than one source to ensure that everything is as it should be.? If you do find inaccuracies ? this will end up pulling your credit score down through no fault of your own.? There are ways for you to get in touch with the bureaus and ask them to correct the error.? It always helps if you have supporting evidence.

Pay off Whatever Debt you Can

You should try to figure out what your credit utilization ratio is.? This is part of how your credit score calculations will be made.? If you go through all your credit card statements within the last year, total up the balances ? and then divide them by 12 ? this is your average credit use per month.? You should really be looking for something that is 30% or less. If you have a good credit rating, the likelihood is you will have a very low ratio.?

If you have a bad credit rating and are struggling to get out of it, hopefully these tips will help you on your way.  Allow for some time to get it sorted.