Two Tips for Rebuilding Credit

Rebuilding credit can seem impossible, but with time (at least 6 months) and consistency, it’s very straight-forward. Here are the two tips for rebuilding your score: 1. Set up auto-pay so you never miss a minimum payment. On-time payment history is the largest part of a credit score (35%). 2. Focus on reducing your debt load. Pay down debt and keep in mind that using about 30% or less of a credit card line will keep your utilization low and help increase your score.