How to Repair Credit and Raise Your Credit Score

Written By Louis Tully

Published on April 9, 2021

Knowing how to repair credit is important, especially if you have big plans for the future. Bad credit can hold you back or force you to pay outrageous interest fees. It can also prevent you from achieving some of your goals. So, learn how to repair credit today and live a more comfortable life tomorrow. Here's how.

How to Repair Credit and Improve Your Score

Repairing your credit report means halting any unnecessary or financially devastating behaviors until after you've reached your primary milestone. For many, that also means being more disciplined with their spending while also earning more money. But learning how to repair credit takes a lot more than just an increased income. It takes discipline too.

FUN FACT: Most creditors report updates about once per month, so it may take a while for changes to show up on your profile.

1. Stop Spending More Than You Can Afford.

Instead of "winging it" every month, why not make a rigid budget and try to stick to it as best you can? Budgeting will help you track your spending better, and it can help you focus your attention on the debts that need to be paid the most.

TIP: Write your financial obligations down on a calendar to track due dates and avoid paying late fees.

2. Get a Copy of Your Credit Report.

All United States citizens can get one free copy of their credit report from all three reporting bureaus each year. Use the information to determine where you should concentrate your efforts. Most likely, there are things that you didn't even know about.

TIP: File disputes about anything on your credit report that's incorrect or outdated to see an immediate boost.

3. Start Paying off Your Biggest Debts First.

Paying off your big debts first helps out more than you think. Since the credit reporting bureaus average your scores across three agencies, it's important to keep your debt-to-income ratio down. Paid-off debts bode well on your credit report as a result.

TIP: Try to pay more than the minimum amount due to increase your credit score more quickly.

4. Take out a Credit-Friendly Title Loan

Did you know that you can get fast cash without involving your credit report? For example, you don't need perfect credit to get a title loan. Instead, all you need is the lien-free title to a car in your name to get approved. By getting this bad credit title loan for your emergency expenses that pop-up, you can stay on track with paying down your debt.

The lesson is simple: the fewer debts you have, the better your credit score will be. So, if you want a rapid boost on your report, pay off your obligations faster.

get car title loan

Get a Title Loan for Emergencies

1. Apply for Your Title Loans Online to Get Quick Processing.

Go to the Home Page of Wisconsin Auto Title Loans, Inc. website to fill out a short online form. Completing it only takes a few minutes, and an agent will call to set up an appointment for the next steps. In most cases, you can't get in to see a title loan agent that same day.

2. Collect All of Your Necessary Items Ahead of Time.

There are certain items that the loan agent will need to see before approving your application. In the state of Wisconsin, you must provide the following things to qualify:

The vehicle for a quick inspection by the agent
Your state-issued photo ID or driver's license
The lien-free title to the vehicle (listed in your name)

Be prepared with banking information too in case you want the money to be deposited directly to your account.

3. Clarify Your Contract Before You Sign It.

Make sure to ask your auto title loan agent any questions you may have before signing your contract. Once it's signed, you gain access to your cash as soon as it hits the bank. No more late fees, no more credit dents, and no more stress about the future. Also, you can keep your car as long as the title loan remains in good standing.

DID YOU KNOW: Approved applicants can get as much as $15,000 per transaction.

Apply for Your Bad Credit Title Loan Today!

Do you know how to repair credit now? If so, then you'll be enjoying a boost to your credit score pretty soon. After that, make better buying decisions and put your good credit to good use. Apply for a car title loan today to pay your emergency expenses and stay on track with your debt.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.