How to fix bad credit: 8 practical steps
Last updated 2026-10-01
QuickEasyLoans is not a credit bureau. Scores and ranges differ between bureaus; your official report is the one from a registered credit bureau.
- There are no instant fixes — anyone promising to 'clear' your record for a fee is a scam.
- Consistent on-time payments for 6–12 months make the biggest difference.
- Settled judgments and paid-up accounts should be updated by the bureaus.
Step by step
- Get your free report: Download your free annual report from each bureau.
- Dispute errors: Lodge free disputes for wrong or outdated listings.
- Stop new arrears: Set debit orders for minimum payments on every account.
- Talk to creditors: Ask for payment arrangements on accounts in arrears and get them in writing.
- Settle judgments: Pay off judgments and ask for a rescission so they are removed.
- Lower credit use: Keep card and overdraft balances well below their limits.
- Limit applications: Avoid applying for lots of credit at once.
- Be patient: Keep it up — your score improves as good months build up.
When to consider debt review
If your debt repayments are more than you earn after essentials, debt review with a registered debt counsellor can restructure your payments. It does block new credit while you're in it.
How fast can I fix my credit score?
Small improvements can show within a few months; real recovery usually takes 6–24 months.
Can I pay someone to clean my record?
No legitimate service can remove accurate information. 'Credit clearing' fees are a common scam.