What is a Credit Repair Service How to Improve Credit Score
                     What is a Credit Repair Service? 
How to Improve Credit Score? 
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Credit Repair Service
Credit repair is a process that can help 
you repair your credit history. It's often 
used to address bad or outdated 
information on your credit reports, which 
can impact your ability to obtain new 
loans and more importantly, affect how 
much you pay for those loans. The main 
goal of credit repair is to improve your 
credit score and thus increase your 
chances of getting approved for loans or 
refinancing your home.
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How to Improve 
Credit Score?
• Review Your Credit Reports
• Make Payments on Time
• Keep Credit Utilization Rate Low
• Minimize the Number of Bank 
Accounts
• Do Not Shut Old Bank Accounts
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Review Your Credit 
Reports
Before you can improve your credit 
score, you need to have a positive 
picture of yourself in the eyes of credit 
reporting agencies. This means that you 
need to review your credit reports from 
all three major bureaus: Equifax, 
Experian and TransUnion.
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Make Payments on 
Time
Payment history is the most 
important factor in your credit 
score. It's also the most difficult 
factor for people to control. If you 
miss a payment or make an 
insufficient payment, that will 
negatively affect your score for a 
long time.
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Keep Credit Utilization Rate 
Low
Credit utilization is the amount of debt 
divided by available credit (credit line). 
The lower the better — but it's only one 
part of how lenders calculate your FICO 
score. The other parts include how long it 
has been since you paid off any debts, 
how many inquiries are made each year 
on average and how much cash flow you 
have each month (the ability to pay bills). 
Keep these numbers low by paying down 
balances every month, rather than using 
new lines of credit or taking out loans 
often.
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Minimize the Number 
of Bank Accounts
f you want to improve your credit 
score, you will need to minimize the 
number of bank accounts. Having 
more than one account at a single 
bank can lower your credit scores. It 
is best to keep all your accounts in 
different banks so that you will not 
have too much debt with any one 
institution.
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credito.com
Do Not Shut Old Bank 
Accounts
You should also try not to shut old bank 
accounts when they are no longer useful 
or necessary. Closing them may reduce 
your credit score, but it is better than 
having an account open that is no longer 
active and wasting money on fees.
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credito.com
About Buena 
Credito
Buena Credito is a credit repair service that helps people with bad credit become financially 
free by fixing their credit reports. Buena Credito provides its clients with the best possible 
chance to get a loan or refinance their property.
Buena Credito offers its services through our website and mobile apps, so that we can be there 
for you whenever you need us. We are always available to answer any questions you may have 
at any time of the day or night!
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credito.com
Get in touch
with us!
Phone: 559-777-2540
E-mail: [email protected]
Website: https://buena-credito.com/ 
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credito.com