Tips For Fixing My Credit Rating & Credit Scores Fixing your credit to get approved for car, home and automobile loans is not as hard as you may think with the right information. The key is understanding what goes into having good credit in order to get it done successfully. In this article I will go over a few tips to help you with raising your credit rating. Reestablishing A New Credit History- Often times when people are giving credit repair advise, they concentrate on having negative credit taken care of but forget about the importance of a good credit history. A record of you making monthly payments on any type of credit account such as credit card and personal loans is a big part of the credit score formula. You need to show a continuous history of timely payments in order to raise your credit scores. While this is may seem impossible to do if you have a negative credit rating preventing you from obtaining new credit you do have other options. One way to go about this is to apply for secure credit card accounts where your credit rating is not necessarily taken into consideration for approval. These types of accounts work with you to help you reestablish your credit, you deposit a certain amount of money as collateral and you are approved for a credit card in the same amount. The good thing about this method is that the account will show on your credit report as a credit account and so will the payments once you begin to make them on the credit card account. Have Negative Items Deleted- The other way to fix your bad credit is to have negative accounts deleted from your report. This can be done by disputing recent negative accounts or settling them with the creditors in exchange for a deletion. To learn how to raise your credit score 207 points in 29 days and get approved for that car, home or credit card loan you need, click here to get started today.