It’s not easy to have bad credit. More often than not, your application for credit is going to be denied. Bad credit can be caused by a lot of things, like paying your bills late, an unusual number of hard inquiries, or being victimized by identity thieves. But whatever the cause, the result is still with you having a hard time with your financial and credit options.

It won’t surprise me to know that you are looking for ways to repair your credit score. Good scores give you credit flexibility and lower interest rates on loans. But here is where you should tread carefully. Opportunists looking to make money off desperate people abound. They will tell you how to go about repairing your credit that could end up harming it later on. Don’t get hoodwinked by these people. Here are some do’s and don’ts to help you get your credit score restored.

One of the first steps you should do is to have your actual credit score calculated. You can purchase your credit score calculated through the FICO model, which is the score used by most financial institutions. A rating of good to excellent credit should only need steps to maintain its current state. A score of poor, however, will warrant steps to repair your credit and get your rating back up to the positives.

Your credit report from the three reporting bureaus contains information regarding your credit history. This information includes any accounts that you have over the past years and the dates when you opened or closed an account. Any inaccuracy on the data found on your report should be disputed with the credit bureau that gave the report. This is for credit repair and safety reasons since any unauthorized hard inquiries and accounts may be a sign that somebody is actively trying to steal your identity.

Don’t expect credit repair to be hassle-free. It might be more tedious than you think. Don’t expect to just do a few things and your credit score will be higher than it is now. Also, expect the process to take some time. Some of the steps that you need to take could make you wait for months before you see any results.

If you know somebody you can trust that is very knowledgeable about credit repair, ask him for advice and follow that advice to the letter. One of the more common recommendations credit analysts would give you is to pay your bills fully and on time. Or not getting a zero balance on your credit card that would shorten your credit history and affect your credit utilization rate. This is very effective in getting those few extra points to help increase your credit score.

Ask us for assistance regarding your credit score and how to repair it. Speak to our credit professionals now by going to and scheduling your consultation. Here at Blue Water Credit, we have teams of highly trained analysts to make sure we get your rating back to where it should be.