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Raise Your Credit Score from the Dead!
Tips To Repair Your Credit and Increase your Score
Chris (Loogie) Luger
May 16, 2025
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We've riffed on credit scores before, but today we're diving into some truth about repairing your credit yourself. Forget the snake oil from sketchy credit repair companies—it's time to take matters into your own hands and shred debt like a Kerry King riff. IYKYK
Are Credit Repair Companies Your Only Option?
Absolutely NOT. Most credit repair companies promise quick fixes but charge hefty fees for things you can easily handle yourself. The power to repair your credit lies squarely in YOUR hands.
DIY Credit Repair: Settling Debts Yourself
Negotiating your own debt is simpler (and way cheaper) than you think. Here’s how you crush debt yourself:
Get Real – Pull your free credit report from AnnualCreditReport.com. Check it for errors and outdated information.
Dispute the BS – See something wrong? Dispute inaccuracies directly through each credit bureau’s website:
Negotiate Like a Rockstar – Call your creditors directly. Be honest and offer a lump-sum payment for less than what's owed if possible. Many creditors will settle debt for 50%-70% of the original balance. Just make sure you get any agreement in writing!
Keep Records – Document EVERYTHING. Receipts, settlement agreements, emails. Treat it like an IRS audit—cover your tracks.
Key Actions to Rebuild Your Credit:
Pay On Time: Kinda obvious, but timely payments are your #1 ticket to a better credit score.
Pay Down Debt: Aim to keep your credit utilization ratio below 30%.
Don’t Close Accounts: Older accounts can actually boost your credit history length, helping your score.
Consider Secured Credit Cards: If your credit’s really hurting, secured cards can help you build a track record of responsible usage.
Proof is in the Metal:
Did you know you can realistically raise your credit score by over 200 points in about one year? It’s true—consistent effort and discipline can pull your score from the gutter to the stage!
Check Out These Resources:
Crank up the volume, and take control of your financial future. You got this! LFG!
Stay heavy and prosperous my friends,
Chris @ Heavy Metal Money 🤘
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