Nearly everyone faces credit score problems at some point in their life. Sometimes, you may even feel like you’re facing piles of bills with PAST DUE stamped all over them so high that you can build a fort to hide from debt collectors.

There is good news: you don’t have to feel overwhelmed or upset. You can take some easy steps to repair your damaged credit report.  Don’t just hide in your paper fort of doomed bills. Remember how your mama always said it pays to ask questions sometimes?

Step one: Get a free credit report

Get your free credit report, which serves as a summary of your financial history, and comb through it to see what your situation is. Then you can make a plan. Ignorance is not bliss in this case!

Three credit reporting agencies—Equifax, Experian and TransUnion—determine your FICO credit score, the number lenders use to assess an applicant’s credit risk. Credit scores range from 300 to 850. If your score falls below 620, it’s usually more difficult to obtain loans at the best rates.

Your FICO score takes into account various factors in each of these five areas to determine credit risk:

  1. Payment history
  2. Current level of debt
  3. Types of credit used
  4. Length of credit history
  5. New credit

You can request your credit report from each of these companies once a year for free by visiting or by calling 1-877-322-8228. That’s right—it’s FREE!


Step 2: Make a Plan

If things look bad, assess the damage. See if there is anything on your report that you need to dispute. If you’re defaulting on several accounts, choose the highest delinquent bill payment and let that one go, but try to get current on all accounts. If you can, make payments on accounts where they will not repossess anything, such as getting current on home or vehicle loans over credit card bills.


Step 3: Come to Carolina Cash Fast while you work on your plan

It took you a while to get into credit card debt, so it will take some time to repair your credit. It can be done, but until then, come to Carolina Cash Fast Loan Center in the Charlotte, North Carolina, area for when you need money now.

We do not require a credit check for our loan approval process. Our convenient offices in Clover, South Carolina, and Fort Mill, South Carolina, are a short drive from the Charlotte metro area and can give you an easy payday or vehicle title loan in no time.  You’ll be on the road to having a credit score of 850 and making your mama proud!