Credit Fixer-Upper: Building and Repairing Credit in Texas with a Smile

Hey, y'all! Are you ready to learn about how to fix your credit or build your credit? Then grab a cold glass of sweet tea and let's get started!

First things first, let's talk about fixing your credit. We all make mistakes, but fortunately, when you make financial hardships that damage your credit it is fixable. One way to start is by checking your credit report for errors. Dispute any inaccuracies and watch your score rise! Another way is to pay off any outstanding debts and avoid missing payments moving forward. Don't forget to keep your credit utilization low and whatever credit you do use, make timely payments. These simple steps will help you get on the right track to fixing your credit.

Now, let's talk about creating credit. Did you know that having no credit can be just as bad as having bad credit? Don't worry, though - building credit is easy! Start by opening a credit card, usually a secured one, and using it responsibly. You can also become an authorized user on someone else's credit card or take out a small personal loan. Just remember to make your payments on time and keep your credit utilization low. Opening too many credit cards at the same time will also hurt your credit. Having too many credit lines can also hurt you. Length of credit is important and types of credit is important.

So, there you have it - the basics of fixing and creating credit in Texas! Remember to stay on top of your credit report and make responsible financial decisions. With a little patience and dedication, you'll have better credit in no time! Let me know if you have any questions. I’m here to help. laura@klaushomes.com #lauraletihernandezrealtor #lauraleti

Find me on Instagram as @lauraleti888.