Top Apps for Fixing a Bad Credit Score

The credit score is one of those things in life you don't notice until it starts affecting your life. It's only at that point most of us start thinking is 550 a bad credit score or am I still in the safe zone. But if check any credit score list, you'll quickly realize that even 600 is a bad credit score that's far in the red zone. To feel safe, your score needs to be at least above 700. Although this can sound scary and fixing your credit score can seem like an impossible task, with a bit of planning, you can easily bring that number to and even above 700.

Although it's impossible to happen overnight, you can fix and even increase credit score to 800 which is actually pretty close to the highest number which is 850. It's entirely doable to fix credit score in 6 months with the right planning. Even if you need to get a quick boost right now like if you want to raise credit score for 20 points fast. Everything comes down to managing your money efficiently so there are no loose ends at the end of the month. Start small with figuring out where you can cut your costs like over excessive power consumption or buying items you don't need. Although you won't improve credit score immediately, by taking small steps, you'll slowly witness the number increasing with each passing month.

The biggest problem comes if you need a good score right now for something specific. If you're wondering what is a bad credit score for renting or buying a car, it's likely you're stuck and can't afford what you need. Depending on the expenses of what you're buying, the credit score limits so you'll need to have a better score for buying a house than a car for instance. A great way to give yourself a slight boost is to clean up your credit report yourself. First, stop taking new credit. It can be hard, but it's necessary if you don't want your score to get any worse. Keep in mind that it's like digging your own hole so it's better to live humbly for a couple of months than to go deeper and deeper. Finally, self-discipline is the most powerful tool you have in fixing a credit score, just like achieving other great results in life.