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- Bad Credit – How to Repair a 400 Credit Score
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## Bad Credit – How to Repair a 400 Credit Score

If your credit score is downright bad, you’re right to be worried. Fortunately, this is not the end of the road and there are steps you can take to improve your credit score, even if it is as low as 400. There are people who have come back from bankruptcy to improve their credit and now have excellent scores. Although something like this can take up to 10 years, it is definitely worth the effort.

The first step would be to order your credit report. Make sure you get one from all three credit reporting agencies as well. It is important that you get all three reports to get the full picture. Lenders are not required to send information to any one bureau, and in most cases they do not send information to all three. Therefore, sometimes negative marks remain on one report and not on others.

When you have the reports in front of you, go through each section very thoroughly. Check for errors, such as a late payment notice even though all your payments were made promptly and on time. Like yourself, people who work at credit bureaus are human and make mistakes. If you don’t catch these mistakes, trust me, no one else will. If you find errors, all you have to do is notify the office and the lender both by phone and in writing. The office then has 30 days after receiving your notice to investigate the problem. I recommend mentioning in your letter that you will contact them from time to time. Keep in mind that investigating a problem does not mean that it will be removed from your credit report. Therefore, you need to monitor and make sure that everything is taken care of according to your standards.

The next thing you need to do is list your link if it counts and make a plan to start paying them back as soon as possible. I recommend listing your accounts by the balance owed and starting to pay off the smallest balance first. That way, you can start to cancel those extra interest payments as soon as possible. Another option would be to start repaying the loans with the highest interest first.

Lenders use your payment history as a huge part of the formula for calculating your credit score. Therefore, it will take some time for your score to start to increase simply from paying your bills on time. After a consistent history of on-time payments, you’ll see the most improvement in your score.

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