How To Repair Your Credit:
A Step-By-Step Guide


Are you tired of having bad credit and fed up paying thousands of dollars extra in interest?

A poor credit score can make it hard to apply for a credit card, get approved for a mortgage, or get a personal loan. And it can mean lower credit limits and higher insurance premiums.

Here's the thing: repairing your credit is one of the most important things you can do in your financial life. 

The good news is, with a little patience and a lot of hard work, you can take the steps you need to get your credit back on track.

In this practical guide, you're going to learn everything you need to know about repairing your credit, step-by-step. We've researched and covered every angle imaginable.

We also spoke to two credit experts—Scott Henderson, and Louis DeNicola—who will share their professional advice throughout this guide.

Scott is an Accredited Financial Counselor and the founder of Simplifinances.  He was previously an assistant director of the Personal Money Management Center at the University of Utah.

Louis is a veteran credit and personal finance writer who has written for The Wirecutter and Credit Karma. 

To make the guide easier to read and navigate, we've broken it up into different chapters.

Get started below. 

Guide Chapters

About the Author


Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.