Yo yo yo, what’s good? Tight because your credit score keeps getting lower? Well listen up, because we’re going to talk about that grimy credit debt you have building on your account. Trust me, I’ve been there – we’re in this together.
1
Go See What’s Good First things first, you need to know what’s draggin’ down your credit score. Get free credit reports from the three big credit bureaus. They owe you one free report every year so go ahead and take what’s yours. Just don’t be applying and getting too many cards here and there because too many lines of credit can actually hurt your score, ya heard?
2
Be NoseyReview those reports like you’re reviewing the text your sneaky link sent you last night about maybe, maybe not meeting up again. Look for any errors or outdated info – they happen more often than you’d think so make sure to take note of what you want to mention to the Bureau.
3
Chill TF Out… For Now The credit bureau has 30 days to see what’s going on with that report. While you wait, practice patience and avoid the urge to stalk your report like it’s your ex’s social media.
4
Check It!After 30 days, peek at your updated credit report. If those negatives are still crashin’ the party, don’t give up – rinse and repeat. Keep pushing, and they’ll hit the road eventually.
5
Dispute It Like a MFIf you spot inaccuracies, dispute ’em! You can dispute online or Write a letter to the credit bureau, explain the issue, and include any proof you’ve got. It’s lowkey like being lawyer, but without the fancy suits ‘n shit. Side note: there are 3 credit bureaus: Experian, Equifax, and Transunion. These are the ones you need to check, and no credit karma doesn’t count so don’t fall for those Ads you see.
6
Pay Up and NegotiateIf you’re guilty and got some unpaid debts, chill out, don’t panic. Reach out to your creditors and see if you can negotiate a settlement, and pay it off. Some will even delete the negative mark from your credit report if you pay them. It’s all a negotiation. It’s like haggling at the flea market but with bills.
7
Good Habit GoatNow step up and do what you need to do. Pay your bills on time, keep those credit card balances low, and avoid opening new credit lines (As tempting as getting a PS5 may be, Chill Out). Start spending responsibly and don’t forget those solutions if a problem comes up.
And Thats that! Tackling those negatives from your credit report doesn’t have to cost an arm and a leg. We’re all in the same boat, just trying to make those credit scores rise. Remember, building credit is a marathon, not a sprint. Laugh off the hiccups, stay on the grind, and watch your credit score rise.
