For an average American, the credit rating is the most important figure that speaks not only of their financial health but also of their social standing to a large extent. That is the reason why people who have an unflattering credit rating try to boost their ranking in some way or the other. Here we shall talk about the exact procedure that you need to follow if you are undergoing such a crisis.
The first thing you should do is to ask for your credit report from all the three agencies. You have Experian, TransUnion, and Equifax. Once you get them, go through each of them thoroughly. They will have a similar credit score, but check if there are any discrepancies. Check if there are any entries there that are wrong. If yes, you can ask for a clarification or even a rectification. They have a period of four weeks to respond to you, and if they do not, then the entry stands to be removed.
The best thing to do, of course, is to improve your rating by actually making all your payments on time. If you have any pending payments, you should clear them out immediately. You could generate the money for it by going for a bad credit loan, which is available online through some agencies. Their interest rates are high but they will give you some money to pay out your dues, and then you might be able to change your bad credit loan for a healthier one.
Another way is to improve your incoming revenue. If you do not have a steady job, you could try for some work online. There are several freelancing sites where you can work for hire. They bring about quick payments too. Check out sites like Freelancer that have jobs in several categories, and you will surely find something that you can do.