Repair Your Credit


Ask Local provides clients with resources and education to repair their credit quickly and without cost.

Here are the five best ways to improve credit:

Pay your bills on time:

  • Paying bills on time is important as it can help improve credit score, access better loan rates, and save money.
  • Setting up automatic payments is an easy way to make sure bills are paid consistently on time.
  • Review all billing statements to ensure accuracy before paying.
  • Make a budget to plan for future bill payments and avoid getting behind.
  • Utilize apps and online tools to stay organized and keep track of due dates.

Reduce overall debts:

  • Reduce spending on non-essential items and transfer the savings to paying off debt
  • Create a budget and track your expenses
  • Consider consolidating high-interest debts such as credit cards
  • Set up automatic payments for debt payments, to help stay on track with payments
  • Negotiate with creditors for lower interest rates or longer repayment terms
  • Make extra lump sum payments when possible

Check for inaccuracies in credit reports

  • Check for inaccuracies by double-checking information and carefully reviewing data sources.
  • Identify any inconsistencies or typos, as well as any information that may be missing.
  • Look for discrepancies between multiple sources.
  • Utilize automated tools to assist in the accuracy checking process.
  • Be sure to cross-reference with other reports and documents to ensure a high level of accuracy.

Be aware of credit utilization

  • Monitor credit utilization rate on a regular basis to ensure it doesn’t exceed 30%.
  • Research and always stay up to date on current credit terms and practices.
  • Consider setting up automatic alerts to track changes in credit utilization.
  • Take steps to keep balances low by paying off balances as soon as possible.
  • Evaluate the best credit card for your financial needs and use it responsibly.

Know your rights under federal law.

  • Individuals can stay informed about their rights via federal law by:
  • Utilizing online resources to review recent legislation and understand proposed changes.
  • Attending legal workshops and seminars that provide up-to-date information on applicable laws.
  • Participating in advocacy organizations dedicated to protecting individuals’ rights.
  • Following trustworthy news sources for the most current legal developments.
  • Researching cases of relevance and understanding legal precedent set by high courts.

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