How To Rebuild Credit Legally Removing negative information is half of the credit repair equation, therefore it is important to know how to rebuild credit while a credit repair company is working on your file. While your credit report is being cleaned up there are a couple of things that you can do to help strengthen your reports and even boost your score. This will put you in the best possible position when you graduate form the credit repair service. The first thing you will want to do is to take a look at any current revolving debt that you carry, such as credit cards. The balance that you carry each month in relation to the credit limits plays a huge part of the credit score calculation. This is often referred to as a debt to credit ration, or the utilization ratio. The higher the ratio, the lower the score will be. The best approach to overcome this would be to slowly pay down the balances each month while you are in the program. To get the highest possible credit score we have noticed that leaving a balance of about 2-3% of the available credit will result in the highest score, even higher than a zero balance! This has been tested over the years and although there is no scientific proof it is clear that this number has been producing the highest credit scores when it comes to utilization percentile. If your credit is lacking current accounts with positive payment history then you will want to immediately add a secured credit card. This will have a positive impact on your credit by having a monthly revolving account report to the credit bureaus each month with positive marks. We have found the best secured credit card offer and share it with all of our clients, suggesting that they obtain one in order to build positive history. The card reports to all three major credit bureaus and does not require a credit check to be approved. It is a guaranteed issue product, meaning you can get one regardless of how damaged your credit is. This gives everyone the chance to start rebuilding his or her credit with this Visa product. After you sign up for the credit repair service you will receive an email with details showing how you can sign up for this credit card right away. It can help you rebuild your credit at the same time your credit score is being repaired. One of the most effective methods for those that want to know how to rebuild credit is to be added as an authorized user on some family members credit cards and store cards. When this happens the authorized user inherits the history of the account, including its age and payment history. This can result in an immediate credit score boost. When all of these tips and suggestions are combined it provides the perfect compliment along side the actual credit repair service. Together, this will give the clients the best possible credit score and profile at the end of the service.