🧾 What’s Hurting Your Credit Score (And How to Fix It Fast)
If your credit score isn’t where you want it to be, you’re not alone — and you’re not stuck.
At Kridet Solutions, we help people understand what’s dragging their score down and how to fix it. Here are the top credit killers and what you can do right now to turn things around.
⚠️ 1. High Credit Card Balances (Utilization Over 30%)
The problem: Carrying large balances hurts your score even if you pay on time.
Fix it: Aim to keep your balances under 10% of your total limit. Pay down cards strategically — focus on the ones with the highest utilization first.
⚠️ 2. Late or Missed Payments
The problem: Just one late payment can drop your score 50+ points.
Fix it: Always pay at least the minimum before the due date. Set reminders or autopay. If you have recent lates, we may be able to challenge them.
⚠️ 3. Collections or Charge-Offs
The problem: These accounts scream “high risk” to lenders.
Fix it: We can dispute and remove inaccurate or outdated collection accounts — and coach you on how to negotiate or settle properly.
⚠️ 4. Too Many Hard Inquiries
The problem: Applying for credit too often lowers your score.
Fix it: Only apply when needed — and if there are unauthorized inquiries on your report, we can challenge them under the FCRA.
⚠️ 5. Inaccurate Personal Information
The problem: Wrong names, addresses, or employers can trigger mix-ups with other people’s bad credit.
Fix it: We clean up your personal data across all three bureaus to protect your identity and score.
💪 Kridet Solutions Can Help
You don’t have to figure this out alone. We help clients:
- ✅ Remove negative accounts
- ✅ Dispute outdated or inaccurate data
- ✅ Rebuild with positive credit strategies
- ✅ Prepare for approvals (homes, cars, funding)
📞 Let’s Fix It Together
Your credit affects every area of your financial life — and fixing it starts with one step.
📅 Book a free consultation to build your plan with a credit expert.
