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HomeCredit RepairWhat I Would Do First If I Had Bad Credit

What I Would Do First If I Had Bad Credit

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John Ulzheimer is a well-known credit specialist with over 20 years spent working in the credit industry. He formerly worked for Fair Isaac Corp., the company behind FICO credit scores, and Equifax, one of the three main credit bureaus. Needless to say, he knows a lot about what it takes to fix bad credit — a score in the FICO range of 300 to 579 or VantageScore range of 300 to 600. Beyond not qualifying for the best credit cards, those with bad credit may also face a disadvantage in other areas of their lives, including struggling to rent an apartment, qualify for a car loan or get an affordable mortgage. Select spoke with Ulzheimer about the first step he would take in repairing bad credit. Here’s what he told us.
Start with ‘triage’

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