The Law Office of Kim Covington

Call For A Free 1-Hour Consultation
541-393-2790 | 800-673-1891

Please Ask For Kim Directly When Scheduling An Appointment

Smart ways to rebuild your credit

Having a credit card is a big responsibility. Seemingly limitless money can be dangerous and it’s easy to dig yourself into a financial hole.

Good credit can help you in the long run, should you want to apply for a loan or mortgage a house. But if you are reckless with your spending, your credit will not help you in the future.

However, there are different ways you can start to rebuild your credit should you get yourself in a bad financial position. Here are a few ways you can get back on your feet and work to repair your credit.

See what youre up against

Seeing where your credit stands is a good first step in rebuilding it. You can get a free credit report from a few different online services. When you see your credit score you can also check to make sure there aren’t any inaccuracies.

Check your patterns

You can also see what bad habits you may have. This is a good way to work on improving your credit score in the future because you can start to learn from your mistakes. See what patterns you may have developed that aren’t financially smart.

Start small

A smart way to start rebuilding your credit is to keep your credit card balance low and repay it in full each month. For example, start using your credit card for only small transitions such as filling your car with gas. This will ensure that your balance stays low month-to-month so you can pay it off completely each time.

Paying your bill in full each month will help raise your credit score.

Limit yourself

If you are the primary holder on your credit card, you can set up a limit for your spending. This can help you keep a budget and make sure you have the finances to keep up with your bills. Keeping a stricter limit can help you get your finances in check.

Credit card debt and facing your credit score can seem daunting but there is always hope. Start rebuilding your credit sooner rather than later to get back on track.

No Comments

Leave a comment
Comment Information
email us for a response

Learn More About Your Fresh Financial Start

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 19 years.

The Law Office of Kim Covington

The Law Office of Kim Covington
1445 Willamette Street, Suite 9
Eugene, OR 97401

Toll Free: 800-673-1891
Phone: 541-393-2790
Fax: 541-344-6466
Eugene Law Office Map

P: 541-393-2790

T: 800-673-1891

F: 541-344-6466