Our list of the 10 best credit repair memes. Credit repair can be stressful and confusing with most people not knowing where to start repairing their credit. Some people know they need to fix their credit but just don’t put it on their priority list. Having bad credit will cost you tens of thousands of dollars as you will need to pay extra deposits, put up collateral, pay higher interest rates, or worst of all not get approved for any money.
In this post we will share some of our favorite credit repair memes from both credit repair companies and people trying to navigate how they can repair their credit on their own. Although these memes are meant to be funny there are some truths to them so when the opportunity exist we will share a few tips on how you can fix & repair your credit.
Here are the Best Credit Repair Memes:
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products however our opinions are our own.
There are several ways you can increase your credit score in a short amount of time. One way is to dispute any errors or inaccuracies you find on your credit report. You can get a free credit report at annualcreditreport.com.
Once you have your credit report look through it and if you find errors, something you don’t recognize or inaccuracies make note of these errors because you might be able to get these items removed from your credit report. You can dispute late payments, bankruptcies, hard inquiries, and collections. Use these free dispute letters to send the credit bureaus to get these items removed from your credit.
If you have bad credit and plan to buy a new car, or take out a loan you might be required to have a cosigner. Finding someone who will take on responsibility for your loans can be difficult to find. Instead try repairing your credit with a new tradeline. A tradeline can help you increase your credit score by allowing you to have a higher credit limit and longer payment history. You can buy a tradeline with Tradeline Supply Company.
Related: What Are Tradelines?
One important thing to remember when it comes to credit and credit cards is to never close a credit card. This is one of the best credit repair memes because many people are left confused when their credit score changes after they close an account. When you close an account your credit score will drop up to 40 points.
Keep your credit cards open, if you don’t use a credit card it might be at risk of being closed so make sure to use all your credit cards even if you just use it for a subscription service. You can setup automatic payments so you don’t have to worry about forgetting to pay it. If you have a credit card with an annual fee that you don’t use try getting the annual fee waived before you consider closing it.
Related: How To Waive Annual Fees
90% of major lenders use the FICO score to determine your creditworthiness. If you are looking to buy a new car, or a mortgage you should focus on your FICO score the most. One of the best ways to monitor your FICO score is with myFICO.
Increase your credit score by making on-time monthly payments, and lowering your credit utilization. If you have a lot of debt you can use programs like Curadebt to get a consultant to negotiate your debt from medical bills, tax debt, personal loans, and private student loans , or use BillShark to lower your bills and cancel subscriptions or Payoff to consolidate your credit card debt.
Related: How To Get Rid Of Credit Card Debt
Your credit score will take years and years before it gets better on its own. You need to take actionable steps to improve your credit score. This is one of the best credit repair memes because A bad credit score can hurt your chances of getting a rental apartment, a personal loan, an auto loan, a home mortgage and even a good job. Your credit score can be fixed in 30 to 60 days but waiting for it to improve on its own could take 5 to 7 years.
You have three credit score which is reported by three major agencies Experian, Equifax, and TransUnion. These numbers may all be different so it’s important to monitor all three of your credit score. You can use apps like myFICO to view your FICO score which 90% of lenders use, Credit Karma to view your your Vantage Score (TransUnion and Equifax), and My Free Credit Score to view all three credit scores.
Related: 5 Best Credit Score Apps
A bad credit score is considered to be below 600 while a good FICO score is 661-780. This meme is on the top of the charts for best credit repair memes because there are a lot of instagram guru’s that offer credit repair that have low credit scores themselves. The Founder of The Credit Repair Blueprint (Mitch Durfee) has a 832 Credit Score. Make sure when you are getting credit repair advice you get that advice from someone that has a proven track record.
This is the best credit repair meme! Did you know that negative items on your credit report such as bankruptcies can last for 7-10 years before they fall off your credit report? When you don’t fix your credit you’ll pay extra interest and can even be denied for home loans and credit cards. Arguably it will cost more to do nothing and wait.
We hope you enjoyed our list of best credit repair memes, If you found these informative or funny please share with your friends.
If you need professional help to fix your credit score you can hire credit repair companies like Credit Saint, Lexington Law, The Credit People, and Creditrepair.com . You can also use a Credit Repair Comparison tool which will show you all the credit repair companies and find the best one for your needs. These credit repair companies will charge you upfront for the service along with a monthly fee. The Credit Repair Blueprint doesn’t have any monthly fees and much more affordable.
You can also repair your credit on your own with the #1 DIY Credit Repair Course from The Credit Repair Blueprint.
Do you have bad credit, no credit, or want to learn how to become a credit expert?
Signup for the #1 DIY Credit Repair Course
The Credit Repair Course includes:
- How to find your credit report and your ACTUAL Credit Score
- A breakdown of how your credit score is calculated
- How to increase your credit score in each category
- The best tools to increase your credit score fast
- How to dispute negative items from your credit report
- Credit dispute letter templates and when to send them
- The best credit cards for your credit score
- How to use credit cards to leverage your money and business
- How to use credit cards to get free travel, bonuses and rewards
Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!