Your Credit Pathby Jeannette Perez
CHAPTER 3 OF 4PAGE 13 OF 21

What is DIY credit repair?

9. Consider a credit limit increase

A higher limit may lower your utilization ratio if your balance does not increase. Ask the lender whether the request requires a hard inquiry, and check any conditions before agreeing.

Your Credit Path strategy does not treat a higher limit as extra spending money. Keep purchases affordable and continue paying on time. Approval and score changes are not guaranteed.

Next: 10. Consider debt consolidation

In this chapter
  1. What is DIY credit repair?
  2. Can you fix credit yourself?
  3. What is the Credit Repair Organizations Act?
  4. How can I repair credit myself?
  5. How do I deal with negative information on my report?
  6. How long does negative information stay on my report?
  7. Can negative information be removed from my report?
  8. When should I choose DIY credit repair?
  9. How long does it take to repair credit?
  10. What is the fastest way to repair my credit?
  11. Where else can I get credit repair help?
Other chapters
  1. Chapter 1: What is credit repair?
  2. Chapter 2: What are credit repair services?
  3. Chapter 3: What is DIY credit repair?
  4. Chapter 4: How can I improve my credit beyond disputes?