9 fastest ways to improve bad credit

Refinancing or getting a bad credit home mortage isn't easy.  The simplest fix is to improve your credit score.  Here are the 9 fastest ways to bump up your credit score so that you can avoid those bad credit home refinancing lenders.  Maybe even get a better deal.

1.  Get a copy of your personal credit report
Go to each of the 3 main credit bureaus and get your report so you can identify problems.

2. Get current on Delinquent accounts
This will play a huge role because history makes up between 30 and 40% of your report.

3.  Stop using Credit cards and don't apply for any other credit.
Stop racking up the bills, and stop filling out credit applications.  This helps you month to month, and will help your report.

4.  Work to pay off debt
This will give you more working cash month to month, improve your income to debt ratio, and help your credit report.

5. Get a professional to assist you
There are many professional services out there who can help you clean up your credit score.  Be sure to check references, check the BBB, and chamber of commerce.

6.  Take it slowly and patiently
It won't fix itsself overnight, but if you work at it slowly and patiently you will be able to improve your credit score and avoid the bad credit home mortage lenders.