tag:blogger.com,1999:blog-84399807624162492602024-03-05T19:06:29.526-08:00Everything About Credit RepairHow To Repair Your Credit By Youself Without Using Expensive Credit Repair Specialists!Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-8439980762416249260.post-91461848644315065012012-08-31T11:10:00.002-07:002012-08-31T11:27:59.850-07:00BAD CREDIT REPAIR TIPS FOR GIVING YOUR CREDIT A PAIN-FREE FACELIFT!<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqasV19ADlazLpWJp6FMkW446PmV_u8tRXfZHkHnISSoiyhXLJcCJGkTakTEXdTJuGK5jph8VhKieY0GVa35igw7IAjemxntPKQzjMqV_uz4gAY6b-cnRKctz-fe4oNsclBSk-mvUcsVlA/s1600/credit-repair-tips+(6).jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" fea="true" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqasV19ADlazLpWJp6FMkW446PmV_u8tRXfZHkHnISSoiyhXLJcCJGkTakTEXdTJuGK5jph8VhKieY0GVa35igw7IAjemxntPKQzjMqV_uz4gAY6b-cnRKctz-fe4oNsclBSk-mvUcsVlA/s320/credit-repair-tips+(6).jpg" width="320" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: Arial, Helvetica, sans-serif;">Do you find that issues with your credit score prevent you from sleeping? The helpful credit repair advice in this article will help you find a plan to transform your credit report into one you will be proud of.</span></i></b></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">As you work toward <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>repairing your credit score</strong></a>, you should be willing to <strong>cooperate and work with your creditors</strong>. This prevents you from sinking further into debt or further damaging your credit score. It is perfectly appropriate to call and request an adjustment to your interest rate or to push back a payment date if needed.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If you have poor credit, you should contact your banks to see if they will lower your amount of available credit. This is only a viable option if you are able to maintain a low balance on what you owe. You want to avoid lowering your credit limits if your balance that you are carrying will max it out.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">When speaking with creditors, be forthright about your financial situation and express willingness to cooperate. Explain how much money you have available for a payment, and tell them when you will make that payment. <strong>Collectors are always able to negotiate</strong>.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Be sure to <strong>document any threats that are made by a creditor</strong> or collection agency, since these are illegal. Consumers have protection laws that are crucial to be aware of.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Before you sign any debt settlement, research what effects it will have on your credit score. Some methods are less damaging than others; research them all before making an agreement with your creditor. Some of these creditors are only concerned about getting their money, and not how it will affect your credit.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Learn all you can about consolidation; it might help you to <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>repair your credit</strong></a>. <strong>Consolidating your debts</strong> gives you a great chance at reducing your debt, which can help you repair your credit quicker. This way all of your debts will be combined into one bill and it will be easier to pay. Consider all aspects of consolidation to make sure it is the right choice for you.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">One of the easiest ways to <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>keep your credit score high</strong></a> is to simply <strong>pay your monthly bills on time</strong>. Using a calendar to mark due dates, along with the use of a payment reminder, can help you to keep track of your bills and the deadlines associated with them. There are a lot of different ways to remind yourself to pay your bills. Use your online banking account to send an email reminder, or keep your eyes open for regular texts or messages from the company themselves.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Build your credit back up to repair it. <strong>Prepaid credit cards help you re-establish credit</strong> without the risk of falling into an even deeper hole due to delinquent payments. By doing this you will be proving to potential lenders you are credit worthy and capable of paying money when you are required.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">It is important to get any payment plan that you agreed to with a creditor in writing. This will provide proof of your agreement in case any problems ever arise. When the debt is eventually paid or settled in full, you should request documentation of this and forward copies to the primary credit reporting companies.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">To protect yourself from credit card fraud, it is essential that you carefully<strong> review each monthly statement from your credit card companies</strong>. Ensure that all of the listed charges are purchases that you made, keeping an eye out for fraudulent charges. It is solely your responsibility to be sure that everything is correct.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Lowering the balances on revolving accounts can also help you to get a better credit score. Maintaining smaller balances can improve your credit rating. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;">As this article demonstrates, you no longer have to be plagued by nightmares about your credit score. There are ways to fix your credit. If you can apply all these tips, you will have a great credit score.</span></div>
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<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>
Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0tag:blogger.com,1999:blog-8439980762416249260.post-13569020689012297502012-08-24T05:52:00.004-07:002012-08-31T11:10:51.083-07:00REPAIR YOUR CREDIT FAST: REPAIR YOUR OWN CREDIT WITH THESE HOT TIPS<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTewfh7Uria9meiKj_YNJACvooktd8HyGNfa2pPeVY39HErURzbIO3hCxSdMWR1a0bhQdUiOgynEedxK07VviZ7EQZaVLZZ1dMw-FGdA5Mc8xx7FnkTiJ_nF0WsdjjmgXOq39S83bqc9jX/s1600/credit-repair-tips+(5).jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTewfh7Uria9meiKj_YNJACvooktd8HyGNfa2pPeVY39HErURzbIO3hCxSdMWR1a0bhQdUiOgynEedxK07VviZ7EQZaVLZZ1dMw-FGdA5Mc8xx7FnkTiJ_nF0WsdjjmgXOq39S83bqc9jX/s1600/credit-repair-tips+(5).jpg" yda="true" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: Arial, Helvetica, sans-serif;">When your credit report contains mistakes, your credit score will be unnecessarily lowered. This will make getting additional credit difficult for you. Do-it-yourself credit repair is the best way to get your credit report back on the right track. Here are a few ideas for fixing your credit.</span></i></b></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">Credit repair</span></strong></a> requires that you begin paying your bills. However, it's not enough to just pay your bills; <strong>you need to make your payments on time and in full</strong>. Your credit rating will quickly rise as you settle up your overdue bills.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><strong>Be truthful with collectors</strong>, and find out if they are willing to work with you. Inform them as to the amount you can pay, and the date you can pay it. Many times your creditors will be willing to negotiate some arrangement with you.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><strong>Pay down your debt</strong>. Creditors take note of your debt versus your income. A high debt-to-income ratio will put you in a poor light when it comes to creditors. The majority of people will not be able to pay off debt in one swoop. Write regular payments into your budget until you can get it taken care of.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">When looking over your credit report, look closely at the negative report that is listed. <strong>Errors are not infrequent in credit reports</strong>. If you can prove the credit bureau is in the wrong, they should correct the reported error or remove it entirely.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><strong>Work with the companies</strong> to whom you owe money to get your debt back under control. By keeping the lines of communication open, you will avoid getting into more debt, making your credit score even worse. Call them and see if you can change the payment terms. They may be willing to change the actual payment or move the due date.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">No credit repair company can remove factual information, no matter how damaging, from your credit report. Unfortunately, <strong>negative marks will stay on your record for seven years</strong>. If the information is an error, the credit report can be corrected.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If your <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">credit repair effort</span></strong></a> is stagnating, one way to get it back on track might be to <strong>try debt consolidation</strong>. If you bring all your debt into one payment, it will be easier for you to budget the payments into your financial schedule. This is a lifesaver when it comes to getting your payments in on time and <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">repairing your credit</span></strong></a>.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">When you have trouble making a budget, you should <strong>get in touch with a reputable counsellor</strong>. These agencies can normally negotiate with your creditors on your behalf so as to come up with an affordable repayment plan. Credit counselling can help you get back on your feet again financially, and teach you how to better manage your financial situation.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Build your credit back up if your current credit scores are low. <strong>Prepaid credit cards can help</strong> you to break bad spending and repayment habits. Potential lenders will see that you are working towards becoming more responsible with your credit.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><strong>Making your minimum payments</strong> on all credit accounts every month is critical to repairing your credit. Your late payments on your credit cards can be reported to credit bureaus, even if your payment is a single day late. If you can pay the minimum balance, it will show that you can be responsible.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><strong>Check your credit card carefully each month</strong> to ensure that there's no incorrect information. If this is the case, you need to call the company right away to avoid them from reporting it to credit reporting agencies.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">By now you have seen that there are a lot of ways that you can <a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">improve a bad credit score</span></strong></a>. Using the tips in this article will help boost your credit score. With determined personal effort, you will be on your way to seriously improving your credit standing.</span><br />
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<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>
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Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0tag:blogger.com,1999:blog-8439980762416249260.post-40963279721355509512012-06-20T10:53:00.002-07:002012-08-24T05:53:04.795-07:00FIX BAD CREDIT BY APPLYING THIS HELP AND ADVICE<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1Qx0Hf7XYWtK8gtVZ1rYAty16eXgdfh-CyEOECsb7FfphYNg095MMDP3sNOH-A-ihN-12JURCBat66gYNC0NHgnY2b1SaQQMZV_XbRzXdJFZktHxBrlGEKr30UBxMiRvwcGVts2z0o2m4/s1600/credit-repair-tips+(4).jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" rca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1Qx0Hf7XYWtK8gtVZ1rYAty16eXgdfh-CyEOECsb7FfphYNg095MMDP3sNOH-A-ihN-12JURCBat66gYNC0NHgnY2b1SaQQMZV_XbRzXdJFZktHxBrlGEKr30UBxMiRvwcGVts2z0o2m4/s1600/credit-repair-tips+(4).jpg" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: Arial, Helvetica, sans-serif;">Errors in your credit history report can significantly affect your credit rating which, in turn, can make it difficult for you to acquire new credit. Do-it-yourself credit repair is the best way to get your credit report back on the right track. Here are some tips for doing so.</span></i></b></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If you find any errors on your credit report, you should dispute them. Send a letter to all agencies involved. Include the errors you noted along with supporting documents that prove that the information on file is erroneous. Use a return receipt when you mail your package so that you can prove that the agency received it.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">The first thing you should do when trying to <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">improve your credit</span></strong></a>, is develop an effective plan and make a commitment to adhere to it. Making changes to <strong>become a wise spender</strong> means you have to <strong>make a budget and rules</strong>, and then follow them. Pay cash for things, and cut out unnecessary expenses. If you are buying something because you want it, and don't need it, put it back on the shelf.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If you want to <a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">fix your credit</span></strong></a>, devise a plan of action that will help you eliminate debt. If you have delinquent debt, your credit score will be affected until you pay it off, or seven years pass, whichever comes first. Develop a budget that realistically reflects your situation and try to devote as much of it as you can to paying down your debts. If you are debt free, it will increase your credit score.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Getting money for a home loan can be difficult, particularly when your credit is less than perfect. <strong>If possible, apply for an FHA loan</strong>; these loans are backed by the United States government. If you do not have a down payment or money for closing, consider a FHA loan</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">In order to <a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">rebuild your credit</span></strong></a>, take baby steps to start improving your score. <strong>Prepaid credit cards can be a good way to raise your FICO score</strong>, away from the dangers of late fees or charges for exceeding your credit limit. This helps prove to lenders that you're credit worthy and responsible.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">To improve your credit rating, <strong>set up an instalment account</strong>. You should make sure it is an instalment account that you will be able to pay into every month. A properly managed instalment account will work wonders on your credit rating.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If you wish to <a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue;">repair your credit</span></strong></a>, you'll have to stop spending more than you earn. This takes a real mindset change. In the not too distant past, credit was easy and people could stretch themselves too far, but now the economy is paying the price of those days. Be realistic about the lifestyle your income affords you.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Debt collectors can be like sharks. You have the option of sending a cease and desist letter to agencies to stop them from calling, but that doesn't mean that your debt vanishes. Even though these letters will stop the phone calls from collection agencies, the individual is still responsible for paying the disputed debt.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Since your credit score measures how often you are late on your bills, the best way to raise your credit score is to <strong>pay your bills promptly</strong>. You are more likely to remember your payment due dates if you have some kind of reminder system set up. There are several options that you can choose from. Your bank likely has a program that will send email or even text reminders.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">If you are able to get a payment plan worked out with any of your creditors, make sure you get the terms in writing. This is the only way that you have of protecting yourself. Once it is paid off, you should get that in writing to send to the credit reporting agencies.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">The fastest way to <span style="color: black;">improving your credit</span> is to get all outstanding debt paid off. Once the balance is paid off, the account starts aging on your report and more recent activity will replace it to show that you are properly handling your bills.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">As shown here, if you want your credit score to rise, there are quite a few pro-active steps you can take. Our helpful tips provide several ways for you to acquire a healthy credit score. Do-it-yourself credit repair can be successful and is a great way to improve your credit standing.</span><br />
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<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>
Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0tag:blogger.com,1999:blog-8439980762416249260.post-13823295512962816672012-02-19T05:04:00.000-08:002012-06-20T10:54:08.300-07:00CREDIT REPAIR: READ THESE TIPS TO LEARN HOW TO REPAIR YOUR CREDIT<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlqqvjQur9Pfs33QB0bPGzK9dztgrRAwrpmKbT1BGiGmwNfqX_6ftWTnkeF4JSVaB7h9rctamxgbIfReqa-2JAUrV1ZedNC2DKs5PgFBMzS1AXPB1ziCdzkWSsgCJo4a5IgVXOuiXClom_/s1600/credit-repair-tips+(3).png" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlqqvjQur9Pfs33QB0bPGzK9dztgrRAwrpmKbT1BGiGmwNfqX_6ftWTnkeF4JSVaB7h9rctamxgbIfReqa-2JAUrV1ZedNC2DKs5PgFBMzS1AXPB1ziCdzkWSsgCJo4a5IgVXOuiXClom_/s1600/credit-repair-tips+(3).png" yda="true" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">Poor credit can stop people from buying a house, buying a car and any number of other financial opportunities. If you don't pay your bills and fees on time, your credit score will suffer. Use the tips found throughout this article for ways to raise your credit score.</span></i></b></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">If you are trying to </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">repair your credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">, <strong>open a new credit account, charge something to it, and then pay it off immediately</strong>. A new, positive credit account can help you to rewrite your credit report.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">During the </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">credit repair</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> process, some companies will pressure you into payments plans or ask you to make lump sum payments you cannot afford. Look at what you can afford, and be sure you can make whatever payments you agree to. <strong>Do not make promises to your creditors that you can't keep </strong>simply to get some relief from harassment for payment. Your creditors will not hesitate to note those issues on your credit report, and be less likely to work with you in the future.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Joining a credit union is a great way to</strong> </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">build your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> if you are having a difficult time doing so elsewhere. Credit unions may be able to offer more credit options or better rates than a larger bank, based on an understanding of the local area rather than the national situation.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Look at the credit card accounts you have with a balance over 50% of the credit limit</strong>. Pay those off until they fall under this number. When balances are over 50%, your credit rating goes down significantly, so try to either spread out your debt or, ideally, pay off your credit cards.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">You will be able to get a lower interest rate if you keep your personal credit score low.<strong> Lower interest rates will reduce the amount of your monthly payment</strong>, and can also make it easier to repay your debt faster. Compare offers and choose the best interest rate you can find when borrowing money or subscribing to a credit card.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Begin paying your bills to</strong> </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">repair your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"><strong><span style="color: blue;">.</span></strong> You need to pay your bills off on time; this is very important. Your FICO score will begin to increase immediately after you pay the bills that are past due.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">If you have a poor credit rating, <strong>you should consider lowering your credit limit by contacting your banks</strong>. This should only be done if your current balance isn't near the limit that you wish to lower to. Don't lower the limit so much that it puts your current balance right against the cap, though.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Keep your checking and savings accounts active and in good standing</strong>. These accounts will give lenders proof that you can manage your money well and have a reliable source of income. Keeping your accounts in great order without having excessive overdraft charges or any bounced checks, will show responsibility to any potential lenders.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">If you want to </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">repair your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> but do not qualify for a regular credit card, <strong>consider a secured credit card.</strong> These types of credit cards often require a good faith deposit to open a new account. A responsibly used new credit card will begin healing your credit score.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Be very wary of programs that do not sound legal</strong>; chances are they aren't. There are schemes online that will show you how to establish an additional credit file. This tactic is not legal, and you face serious repercussions if you are caught. You could end up owing a great deal of money or even facing jail time.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">Having to deal with debt collectors is often very stressful and distressing. <strong>You can use a cease and desist letter to stop any harassment from collection agencies</strong>. While such letters stop collection agencies from calling, the consumer is still obligated to pay the debts being disputed.</span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">Though the reasons that a given individual needs a loan will differ, most adults are affected by credit scores. You can change your credit situation, if you adhere to the the tips in this article.</span><br />
<br />
<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0tag:blogger.com,1999:blog-8439980762416249260.post-78107166743720156312012-02-06T02:58:00.000-08:002012-04-15T07:54:59.982-07:00QUICK CREDIT REPAIR: HOW TO REPAIR A DAMAGED CREDIT SCORE<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir_VK-0UKnItjnvwlzeTWIWHzt_EJOcZImONygm4QbsOx6FT_ch9Jq2K2OSPZjx_ltjrpBb0MdhRrnXTMazCIW2ZftQpbc72imSbLzRdMCjt1rgXOfsR9sEdA0bP-GxNF0a3TgH1Z7gon_/s1600/credit-repair-tips+(2).jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" sda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir_VK-0UKnItjnvwlzeTWIWHzt_EJOcZImONygm4QbsOx6FT_ch9Jq2K2OSPZjx_ltjrpBb0MdhRrnXTMazCIW2ZftQpbc72imSbLzRdMCjt1rgXOfsR9sEdA0bP-GxNF0a3TgH1Z7gon_/s1600/credit-repair-tips+(2).jpg" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">Be on the lookout for any erroneously reported information in your credit report. The best approach to credit improvement is one in which you perform the credit repair process steps yourself. This article will help you learn how to repair your credit.</span></i></b></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Making monthly credit payments in a timely manner</strong> is one of the best ways to </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">build your credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">. Pay the minimum requirement at worst, but try to pay something extra in. Even a single missed payment can damage your credit.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">When trying to </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">improve your credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">, make sure to <strong>keep a low balance on all of your credit cards</strong>. By carrying a high balance, your credit score will suffer, even if you make timely payments every month.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">While repairing your credit, look to <strong>get multiple credit types</strong>. The different types of credit you have are included in factoring out what your credit score is. You can improve a credit score by managing several credit cards, loans or mortgages at the same time.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">An important part of </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">repairing a credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> is paying your bills when they need to be paid. <strong>Using a calendar to mark due dates</strong>, along with the use of a payment reminder, can help you to keep track of your bills and the deadlines associated with them. You can set up reminders in many ways. Set up your online account so that an email is sent to you or have your debtor text you a reminder.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Credit counselling can help</strong> you start to build your credit back up. Reputable credit counsellors can help you learn the ins-and-outs of </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">credit repair</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> and the skills you need to live within your means. You have to agree to dispose of all your credit cards, as well as to pay your creditors on a monthly basis.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">If you want to improve your credit score, <strong>don't let anyone pull your credit report unnecessarily</strong>. If someone inquires about your credit score, it is noted on your report.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">An important tip to consider when working to </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="font-family: Arial, Helvetica, sans-serif;">repair your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> is to <strong>work closely with your credit card companies.</strong> This will keep you from increasing the amount of debt that you have. Call them and see if you can change the payment terms. They may be willing to change the actual payment or move the due date.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Secured credit cards are an effective way</strong> for you to start </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">rebuilding your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">. These are extremely easy to qualify for. A secured credit card looks just like a regular card, and works like a regular card, but you have to have the necessary money in an account to guarantee payment. Using this card responsibly will improve your credit rating over time, and eventually you'll be able to get a normal credit card again.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">Develop a plan that works if you are in need of </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">credit repair</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">. Making changes to become a wise spender means you have to make a budget and rules, and then follow them. Stick to the essentials, and <strong>avoid frivolous purchases at all costs</strong>. Ensure that you can afford everything you buy and that you really need it.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">By maintaining a good credit score, you can decrease your interest rate. This should make your monthly payments easier and allow you to pay off your debt much quicker. Make sure to <strong>use a company that gives you the best rates</strong> so your bill isn't being built up by money you haven't even spent.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">As you can see, there are a variety of helpful ways to clean up your credit report. You will see your credit rating go up if you follow these tips. </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">Do-it-yourself credit repair</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> can be successful and is a great way to improve your credit standing.</span></span><br />
<br />
<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0tag:blogger.com,1999:blog-8439980762416249260.post-40097971748109357082012-02-06T02:35:00.000-08:002012-04-15T07:54:43.256-07:00QUICK CREDIT REPAIR: FIXING BAD CREDIT DOESN'T HAVE TO BE DIFFICULT<div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0cm 0cm 10pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDtsOX9bjiCgISHqDncaD9CVt_VlIqcVzoLJcOfsKQu5hoqXQjA2To5TFTDt94dOOuxXCk8ithdMC-eeDUs2OKApH5ZJu5NlN7UdstGVPjTztELC71OwRW6stgdBnJukb5_YgGfR4kmcE5/s1600/credit-repair-tips+(1).jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" sda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDtsOX9bjiCgISHqDncaD9CVt_VlIqcVzoLJcOfsKQu5hoqXQjA2To5TFTDt94dOOuxXCk8ithdMC-eeDUs2OKApH5ZJu5NlN7UdstGVPjTztELC71OwRW6stgdBnJukb5_YgGfR4kmcE5/s1600/credit-repair-tips+(1).jpg" /></span></a><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">Are you struggling because you have bad credit? Due to the condition of the economy, many people are left with a bad credit score. Fortunately, bad credit can be repaired, and these credit repair tips are an excellent place to start.</span></i></b></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">Be very careful about credit professionals who state that they could fix your credit quickly. Some lawyers have chosen to take advantage of the people who have bad credit by charging a lot of money for things that are useless to their credit or are illegal. <strong>Get reviews on a lawyer before you go to them for help.</strong></span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Do not use your credit cards</strong>. Pay for everything you buy with cash instead. Any credit card purchases should be paid in full the same month of purchase. Do not carry a balance on your cards.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Work to get all of the bad information taken off your credit report</strong>. It's important to keep a record of all correspondence, whether it's via the telephone, regular mail or email. Make sure you mail your dispute letters through certified mail, so you have ample proof that it was mailed and received.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">If you are attempting to </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">raise your credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> with the credit bureaus, but are encountering road blocks whenever you apply for new credit, then <strong>open an account with a credit union</strong>. You may find that the credit union has more options and better rates to offer you than banks will.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Check your credit file</strong> to see how much you owe and to whom. Examine your report for any inaccuracies before trying to fix past debt problems. Stay current with your monthly payments but start by tackling and paying off the largest amount owed first.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Get more information regarding debt consolidation</strong> to assess whether it is a viable tool for your </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">credit repair program</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">. Consolidation of your debts in many cases could be the best chance you have of reducing your debt and therefore repairing your credit faster. This combines all of your debts into one manageable payment amount. Make sure to research your consolidation loan properly to ensure that it really is your best option.</span></span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;"><strong>Try repairing your credit by getting all of your bills paid off.</strong> Think about turning to credit counselling if you need to.</span></span></div>
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<span lang="EN-ZA"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">Repairing your credit</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> is actually pretty simple. The first step is to <strong>focus on paying your late bills.</strong> You can't just pay whatever you want whenever you want. You need to pay your entire balance when it's due. As soon as you have cleared those old debts, you will see an immediate </span><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">improvement in your credit score</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;">.</span></span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">If you have<strong> credit cards</strong> with a utilization level over 50%, then <strong>pay them down until they are below 50% utilization</strong>. Any balances that are over half your limit drag your credit rating down. So be sure to pay your credit card down or, if you cannot, try to use another credit card.</span></div>
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<span lang="EN-ZA" style="font-family: Arial, Helvetica, sans-serif;">If you are having difficulty managing your finances, get in touch with a legitimate credit counsellor. These agencies can normally negotiate with your creditors on your behalf so as to come up with an affordable repayment plan. With <strong>assistance from credit counsellors</strong>, you can learn valuable financial management skills while responsibly paying back your debt.</span></div>
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<span lang="EN-ZA"><span style="font-family: Arial, Helvetica, sans-serif;">If your low credit score has been a source of frustration and discouragement, implement this </span><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">credit repair advice</span></strong></a><span style="font-family: Arial, Helvetica, sans-serif;"> to change all that. This credit repair advice can make all the difference between having a bad or good credit score.</span></span><br />
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<span style="background-color: #ffe599;"><span style="font-family: Arial;"><strong>NOTE:</strong> Please visit the following websites for more information on how to repair your credit:</span></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/37-days-to-clean-credit.html" rel="nofollow" target="_blank"><strong>37 Days To Clean Credit Basic Course Website</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://www.a3buys.com/credit-repair-software.html" rel="nofollow" target="_blank"><strong>Credit Repair Magic Software</strong></a></span><br />
<span style="background-color: white; color: blue; font-family: Arial;"><a href="http://a3buys.com/personal-finance-ebooks-collection.html" rel="nofollow" target="_blank"><strong>The Ultimate Collection Of Personal Finance E-Books</strong></a></span></div>Wendy Wilkenhttp://www.blogger.com/profile/17831104627084598837noreply@blogger.com0