After getting behind on various payments in California, you might find that your credit score has decreased. While this could hurt some areas of your life, there are some ways that you can begin the repair process.
Check your reports
One of the first things you can do to repair your credit is to check your report. Various websites are available that allow you to limit your information for free. Once you see your scores from the different credit agencies and the accounts that are listed, you can then decide whether or not you want to file for bankruptcy or try to pay off your debts.
Payments
When you look at your credit report, you’ll likely see your payment history, especially if you have credit cards and bills that report to agencies. If you maintain your payments on time, then this can help to increase your score. However, if you miss a payment or multiple payments, this could result in your score significantly decreasing over time. You can contact credit companies to see if you can make smaller payments to pay off the debt instead of making one large payment that might result in not having the money to pay other bills.
Professional help
If you find that there are too many bills that you have to pay and that you’re too far in debt, you could always seek the help of a financial expert or an attorney. An option would be to file for bankruptcy, which could result in eliminating some of your payments and consolidating others.
Your credit score is one of the most important financial details you’ll likely have. If your score begins to drop, there are some changes that you can make that could increase over time.