A poor credit report can make it difficult to get a new property or sign off another big commitment in life. We wish we can tell you otherwise but there is no easy fix to improving your credit report. You must make the commitment to embark on healthier spending habits and manage your finances better. Although you cannot just erase away your horrible credit report, you can take steps on how to improve your credit score in just 3 months or less. Follow closely on the steps we are able to share with you. 
Step 1: Take Control Of Your Recovery
The only legitimate way to improve your credit standing is to take control of your recovery. Do not believe in services that charge a fee for helping you. Credit help services often claim that they can improve or fix credit rating report and even remove negative information. Maxine Sweet, a public education specialist for the Experian Credit Reporting Agency, warns consumers that companies charging a fee to remove negative accounts are usually scams.
Step 2: Analyse Your Credit Report
Get a copy of your credit report and analyse it. It is common for inaccuracies to be present for free credit score. For example, an account that has been paid in full might be listed as delinquent. Highlight any information on your credit report that you think is incorrect.
Step 3: Submit Dispute For Inaccuracies
Submit a dispute for any information on your credit report that you know is inaccurate. Gather all supporting documents you have to prove your point. If the agency finds in your favour, the inaccurate details will be removed from your account.
Step 4: Start Clearing Your Bills
Make sure you pay every bill you have on time each month. Never pay less than the minimum payment due or your account will still be labelled as delinquent. Making the payment on a balance earlier in the month can decrease how much you pay in interest or finance charges. Paying before the next billing date can decrease the amount a creditor reports to the credit-reporting agency that month, which may help to raise your score.
Step 5: Start Making Payment Arrangements
Contact creditors to make payment arrangements for accounts that are delinquent or those that have been charged off. Ask if your payoff amount or payment arrangement can be accepted as payment in full. Some creditors are willing to update your credit report to reflect payment as being made in full if you agree to a reasonable payoff arrangement. Most creditors are willing to negotiate a payment amount you can realistically afford to pay.
Step 6: Free Up Credits
Apply any extra cash you have to pay off credit cards that are at or near their spending limits. When you max out your credit cards, it reflects badly on both your credit report and score. Pay down on some of the credit cards with the highest balances to free up some of your available credit. You can use your credit card accounts regularly, but do not charge more than 30 percent of the available limit.
Final Tips
Make every effort to improve your credit report before considering credit counselling services or bankruptcy. Rely on options such as credit counselling services or filing bankruptcy only as last resorts.
