Your credit score impacts everything—loans, housing, even job opportunities. Yet millions of people unknowingly damage their credit with errors and poor financial habits. Financial expert Yuri Alexander has helped countless individuals regain control of their credit. In this guide, he shares proven strategies to repair your credit like a pro.
Check Your Credit Report for Errors
Before making any changes, understand what’s on your report. Yuri Alexander recommends pulling reports from Experian, TransUnion, and Equifax every four months.
“I had a client, James Carter, who found an incorrect delinquency on his report that dropped his score by 70 points. After disputing it, his score jumped back up,” Yuri shared.
Mistakes are more common than you think. The Federal Trade Commission found that 1 in 5 consumers has an error on at least one report.
Yuri recalls working with Melissa Jones, who had a debt falsely reported under her name.
✅ Action Step: Go to AnnualCreditReport.com and download your reports for free. Use certified mail to dispute errors with proper documentation. Check out this step-by-step guide on disputing credit errors: BlitzMetrics Credit Fix.
Lower Your Credit Utilization
Your credit utilization ratio (how much credit you use versus your limit) plays a massive role in your score.
“I advised Sarah Lopez, a self-employed consultant, to pay down her credit card balances strategically—by making two payments per month instead of one. Her score increased by 50 points in 90 days.”
If your credit limit is $10,000, keeping your balance below $3,000 ensures the best impact. Some quick ways to lower utilization include making multiple payments per month and requesting a credit limit increase to instantly improve your ratio.
Negotiate Debt Settlements
Late payments and collections can crush your score, but many creditors are willing to settle debts for less.
Yuri recalls a case with Mark Stevenson, who negotiated a 50% settlement with a collection agency and had the negative mark removed entirely.
Many lenders offer “pay-for-delete” agreements where they remove negative marks in exchange for payment.
If this isn’t possible, negotiating a lower lump-sum settlement can still minimize financial damage.
Set Up Automatic Payments
Payment history makes up 35% of your score. One missed payment can drop your score by 100 points.
Yuri always tells clients to automate payments: “Lisa Turner missed one payment due to a vacation mix-up, and it took her six months to recover. Now she automates everything.”
Setting up autopay ensures at least the minimum payment is made on time every month. For full protection, also set calendar reminders for payment due dates.
Use a Secured Card or Credit-Builder Loan
If your score is under 600, a secured credit card or a credit-builder loan can jumpstart your credit history.
“I’ve seen entrepreneurs like Brian Matthews go from 580 to 700 in just one year using this strategy.”
✅ Action Step: Apply for a secured card from Discover or Capital One, or check local credit unions for credit-builder loans. Make on-time payments to build positive credit history.
Fixing your credit isn’t magic—it’s strategy. By following these proven steps, you can regain financial control and improve your credit score in months.
The key is consistency—start today, and within six months, you could see a major improvement. What’s your first step?
Listen to the full podcast for Yuri’s step-by-step credit repair scripts and collector negotiation scripts.
