Salvage what you can
Don’t sacrifice accounts that are in good standing for accounts that are not. Continue making timely payments on all your current accounts.
Spread your disputes over a period of time.
If you are disputing several items on your credit report, it is important to limit the number of disputes in each letter. The credit could become suspicious of too many disputes and consider them frivolous. We have a system in place to ensure that this does not happen to our clients during the credit repair process.
Be careful about closing credit cards.
Rarely does closing a credit card help your credit score. In fact, closing a credit card is more likely to hurt your credit score, especially when the account has a balance.
Learn what things hurt your credit score.
Learn what things have a negative effect on your credit score so you can avoid making these mistakes.
Don't be discouraged by setbacks.
Your credit score may drop unexpectedly as you go through credit repair. This doesn’t necessarily mean you’ve done something wrong. Continue adding positive information to your credit report and your credit score will improve over time.
Get consumer credit counseling.
If your debts are overwhelming, creditors are not be willing to work with you, and you can’t seem to come up with a payment plan on your own, consumer credit counseling is an option for getting back on track. BWI Credit Solutions can work with you to determine the best course of action.