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The Benefits Of Fixing A Bad Credit Report

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The Benefits Of Fixing A Bad Credit Report Powered By Docstoc
					Presented by Daniel Toriola
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The Benefits Of Fixing A Bad Credit Report By Stu Pearson

If you are living under a rainy cloud of bad credit, you probably want to know how to fix your credit report. The first step is to have a positive attitude about money and soon you will be on your way to fixing bad credit, which is a very important goal. Good credit renders you a successful credit card and loan applicant. If you’re a student going to college, a potential homebuyer, or anyone else in need of a loan, you need to fix your credit report, otherwise you may not be able to pay for tuition or that new home. Credit history matters and you need to know yours. If your credit report has bad marks, a consequence of outstanding debt, you should immediately pay the debt off. The debt with the highest interest rates should be your top priority. If you find this task too overwhelming, contact a non-profit credit-counseling association to receive help and guidance for your financial concerns. You can develop a debt-consolidation plan and a counselor can even get in touch with your creditors and convince them to reduce the amount of money you owe. Furthermore, do not open unnecessary accounts. They will simply burden you with more bills and ultimately, debt. Until you have established a good credit history, new credit cards should be avoided entirely. Only borrow money for your needs. Even if you have a high income, credit cards can still hinder you financially. Creditors assess your report and ultimately decide whether or not to grant you a credit or a loan and once an application is accepted, they will then determine how much money to lend you. The national credit bureaus are responsible for collecting the information in your credit history and they relay it all to lending institutions and the like. But you can receive a free copy of your credit report and thus know exactly what’s in it as well. A healthy way to keep your credit in check is to check your credit report at least once a year. This way you can keep an eye on how you’re doing financially and also correct any errors. By learning to deal with your money and also by keeping a keen eye on your credit report, you will be able to fix your credit report in no time. Stu Pearson has an interest in Business related topics. To access more information on
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Fix bad credit in easy steps By Bill Smith

Fix bad credit in easy steps Fixing bad credit requires some time and research on your part and a plan you can stick to. Fixing bad credit is not as difficult as you might initially think. The following will help you bump up your credit score so you can get the new car or the new home you deserve. 1. Know your credit report. It is important to peek into your credit report and find what it says about you. A new law in the US allows you the right to get one free credit report each year. Read the report to learn first hand what needs to be fixed. Infact you can request one free report from each of the three major bureaus. 2. Initial steps to fixing bad credit. Learn why lenders consider you a risky candidate. I have outlined the most common ones. Errors jumping out at you on your credit report. These are the easiest of bad credit problems to be fixed. If you find any information which is not true like a payment showing missed when you made it or charges you never took, write as soon as possible to the reporting bureau for correction. Fix every single item that is erroneous in the report. Missed/Late payments. If any of the payments were made due to circumstances beyond your control and since then you have regularly been making payments, bring it to the immediate notice of the credit bureau. They will amend your credit file to reflect the changes. High debt/credit ratio. If you think you have maxed out of any of your credit cards, make it a priority to pay down and get to manageable levels as soon as possible. 3. Maintain your new earned credit once you fix bad credit. Once you set the ball rolling on fixing, it is very important to maintain it. Make your payments without falling back on any of them. At times, communication is the key. Communicate, so your creditors are aware about your position and the attempts you have been making to pay off your debt. "@Copyrights 2005" - Bill A Smith works as a debt consolidator for Ameri debt consolidation firm. Visit us at http://www.americreditservices.com/ and http://www.americreditservices.com/0-interest-credit-cards/ for non profit debt consolidation services.

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