Your Credit Score Repair Checklist

A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment or even a job.

Poor credit score report

Improving your credit score can mean qualifying for lower interest rates and better terms. If you’re dealing with a low credit score and find the whole credit rating system confusing, take a deep breath and relax; Just follow these simple steps to repair your credit and improve your credit score. 

1. Know Your Credit Score & Reports Inside Out

The first thing you want to do when fixing your credit is to find out your credit score and get copies of your credit reports. It is very important for you to monitor your credit report throughout your life. Each credit bureau provides the opportunity to obtain a free copy of your credit report annually. You can contact:

  • TransUnion: Visit, call 800-888-4312 or mail in a request to TransUnion, 2 Baldwin Place, P.O. Box 1000, Chester, PA 19022.
  • Equifax: Visit, call 800-846-5279 or 866-322-3162, or mail in a request to Equifax, P.O. Box 740123, Atlanta, GA 30374.
  • Experian: Visit, call 888-397-3742, or mail in a request to Experian P.O. Box 919, Allen, TX 75013.
  • Free online credit reports are available at:

For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750. Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed.

2. Check for Errors

See anything that you’re not sure about or that you know is just plain wrong? Then it very likely is. From October 2016 to September 2017, the Consumer Financial Protection Bureau (CFPB) fielded 85,000 complaints about credit report errors. Fortunately, federal law lets you dispute credit report errors with the credit bureau that’s reporting the error. However, if you don’t spot them, no one will. The same is true of negative listings. The creditor reporting the listing may not be able to prove the listing is true, in which case it must be removed from your credit report.


So spend as much time as it takes trying to have derogatory marks removed because they also weigh heavily on your overall score.

3. Build & Maintain Healthy Accounts

If you’ve made some missteps and have poor credit, the best way of fixing credit is sometimes to start rebuilding it. Some tips to consider as you fix your credit:

  • Pay off high-interest, “new” credit accounts first.
  • Pay down outstanding debt.
  • Pay all bills on time – ALWAYS.
  • Don’t close old credit card accounts (After you pay off a credit card, you might be tempted to close that account. Don’t. This will hurt something called your credit-utilization ratio, something that plays a big role in your credit score.)

Can I Apply for a Short Term Loan with Bad Credit?

Do you owe thousands of dollars in credit-card debt? This will hurt your credit score. Paying down this debt, or eliminating it completely, will do the opposite, causing your FICO score to rise.


At TLC, we recognize that sometimes bad things happen to people. Unlike a bank, we want to listen and try to help you get the money you need to achieve your goals despite your bad credit score.


You can pay your loan off or make additional payments at any time. TLC never charges prepayment penalty fees.

Take Control of your Credit Score.

At Total Loan Company, we will work quickly to verify key details and process your loan. Your loan can be approved the same day if we have all your information.

As soon as your loan is approved, we’ll send a request to your bank to deposit your funds. We always aim for fast loan funding typically by the next business day.

Contact us today or click here to apply online for your installment loan.