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Bad Credit – You Can Do Something About It!

A gentle reminder, though: not all of these firms are legitimate. In fact, if you’re not careful, you might end up a victim of unscrupulous agencies that offer instant credit repair programs. So, as much as possible, you should try to fix your credit problems first, all by yourself. To succeed in this endeavor, we suggest you check the following tips in mind: http://bit.ly/1m1OX7A

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Bad Credit – You Can Do Something About It!

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  1. So, as much as possible, you should try to fix your credit problems first, all by yourself. Bad Credit – You Can Do Something About It! by: A gentle reminder, though: not all of these firms are legitimate. In fact, if you’re not careful, you might end up a victim of unscrupulous agencies that offer instant credit repair programs.

  2. Digging yourself out of your debt problems can prove to be a tall ordeal, especially if you don’t know where to start. Good thing there are credit counseling firms today which can help you out in resolving your credit woes.

  3. A gentle reminder, though: not all of these firms are legitimate. In fact, if you’re not careful, you might end up a victim of unscrupulous agencies that offer instant credit repair programs. So, as much as possible, you should try to fix your credit problems first, all by yourself. To succeed in this endeavor, we suggest you check the following tips in mind:

  4. 1. Control credit card spending Cut down your debts, not to add to the pile. Don’t be tempted to buy your groceries or pay your bills with your credit card (especially if you can’t pay off your full balance on time)

  5. 2.Check your credit report Know exactly where you stand. Check if all the charges in your accounts are correct Order a copy of your credit report from each of three major credit bureaus If you haven’t received your free report for this year, you are entitled to receive one free report from each of the three bureaus by simply visiting annualcreditreport.com.

  6. 3. Clean Up Errors If you find any inaccuracy in your report, have those errors corrected by sending a letter to the bureau that issued your report. If you have issues in different accounts, it is recommended that you send a separate letter for each account. Upon receipt of your letter, the bureau will conduct an investigation which can last up to 30 days.

  7. 4. Keep up with your latest bills. See to it that you will not be late with your current bills. Keep in mind that 35% of your final rating is based upon payment history so each time you miss a due date of payment, your credit score drops by a few points.

  8. 5. Never close an account with existing balance. Don’t be tempted to cancel an account with unpaid charges. You cannot escape your responsibilities in this way. Doing so will only inflict more damage to your personal credit. If you cannot pay your charges at once, speak with the creditor involved and request for modification in your repayment terms to make repayment less of a burden.

  9. 6. Seek professional help with caution. In extreme cases, it may be best to get help from a credit counselling agency. Make sure that you will be getting assistance from the right source. Begin your search by checking the National Foundation for Credit Counselling for a list of accredited credit counselling agencies. (Original Source: Bad Credit - You Can Do Something About It!)

  10. Or connect us in our social media sites by clicking the icon below: Sign up for our newsletter and get our free credit repair guide to take your credit score from BAD to Good! Call us at 1-888-308-7160

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