You can quickly fix bad credit and raise your credit score at the same time with just a few steps. Have you ever applied for a loan or credit card and was turned down after they ran a credit check? Embarrassing isn\'t? It\'s almost like you are being judged by a simple number but in reality and sadly you are. You can take action and prevent this from happening and assure that you get approved quickly for any loan, car, house, even credit card. There are really only 3 things that majorly affect your credit. They are (1) Payment history, (2) Balance to credit limit ratio, and (3) Lenght of credit history. Adjusting these three important factors will assure you of an end to bad credit and a higher credit score in just 30 days. Let\'s focus on each.



PAYMENT HISTORY. Always make your payments each month on time. Having a good payment history shows creditors and lenders that you are responsible with your credit.





BALANCE TO CREDIT LIMIT RATIO. You can look at it this way, suppose you have a credit card with a $900 spending limit, try to leave at least 70% of unused availble credit on your card. In this example that would mean never charging more than $270.00 at one given time on that card if you cannot pay the entire balance due in full the following month.



LENGTH OF CREDIT HISTORY. The longer you\'ve had a credit account open the better your credit score. Avoid getting new credit cards and closing old accounts. These old accounts are helping your credit and by deleting them you\'re doing major damage to your credit history.