Cleaning up credit reports is awesome, but an equally important part of your job is to educate your clients so they won't fall back into the same harmful patterns that got them into credit trouble in the first place. If your client continues to apply for credit, if they pay any bills late or continue to max out their credit cards, their score will suffer.

In this article, you will learn about:

5 crucial tips to pass on to your clients

Try not to apply for new credits

Each time you do, your score suffers a hit.
Don’t co-sign

When you co-sign on someone else’s loan, you agree to be responsible for it. If that person doesn't pay the bill, your credit score suffers.
Pay your bills on time

One past due payment can decrease your score by 100 points. Ouch! If you’ve accidentally missed a payment, call the credit card company immediately. If you’re a good customer, they will often wave a past-due posting if you ask.
Pay credit card balances down to less than 25% of the available credit line

If your credit line is $10,000, never use more than $2,500. Never max out your credit cards, even if you pay them off each month. This quick trick will boost your score.
Monitor your credit with a credit monitoring service

2 tips for your credit repair business

Don't over-promise on rapid results, rapid score increases, or anything that is not true.

Explain to your clients that bureaus are typically slow. Scores don't change overnight, and the creditors don't report changes to the bureaus immediately. It all takes time.
Your clients must forward you ALL correspondence they receive from the bureaus.

The credit monitoring service will not show you what is in the letters. They must forward them to you, or you cannot do your job. So when you've set a reminder to follow up on a disputed item, check to see if your client has forwarded the response letter they've received. If they haven't, then ask them to provide it so you can continue with the next round.