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Credit Repair On Your Own? by LeRoy Mager





Credit Repair On Your Own? by
Article Posted: 08/04/2009
Article Views: 61
Articles Written: 6
Word Count: 612
Article Votes: 0
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Credit Repair On Your Own?


 
Finance & Investment
Yes, you can do credit repair on your own. With the proper knowledge, tools and persistence you will find out it is not that hard to repair your own credit. There are many resources available to you to get all of the information you need to learn how to repair your damaged credit. Acquiring the information is the key. You need to do some or a lot of research and studying before you tackle credit repair. The amount of time and effort you will give to this project depends on the foundation of your knowledge on credits repair and financial management.

The first thing that you will do is get all your credit reports and study them. Credit reports are free so get an accurate report from credit bureaus. Your creditors submit these reports so you should be able to get them with no problems whatsoever. The credit bureaus will usually want copies of the same report so it would be best to make copies for yourself and do action plans using the copies. Looking at the credit reports, correct whatever entries that you think are questionable or incorrect.

This is the time to correct and clarify entries on your reports. Dates, credit limits, and the actual amount owed are the things that you should look closely and make sure that everything is correct. If you find some inconsistencies, write a letter to the creditor and credit bureaus to show that you have some problems with entries in your report. Registered mail is always the ideal situation since you will be sure that they received the letter.

Looking into your credit report, make sure that you evaluate the last 12 months at least. The credit score is determined usually from the last 12 months of your credit history. So it is important that you have made some payments on your debts last year or so to give you a better credit rating. Credit companies never like having default loans. That is why you should always come up with your creditors a doable payment plan so you won’t miss on payments. Review or get back to the original creditor instead of dealing solely with the collection company to ensure that your payment records are straight.

After you procure the reports and have ensured that everything is in order, you will then undergo the process of reestablishing your credit rating if it is too low already. This is the actual process of repairing your credit standing. The importance of repairing one’s credit standing lies on the fact that it will dictate future credit and loan applications. Even simple credit card applications and purchase can be affected by present credit standing.

Having a high credit score can mean better loan conditions such as low interest rates and a longer credit term. Needless to say, having a high credit score will definitely make it easier for your financial future. Remember that even basic utilities and even employers are now looking at credit scores unlike years earlier when banks and credit companies were the main parties looking at your credit report.

In repairing your credit standing, you will need to make sure that you pay bills on time. Loans and credit card payments would be the most important thing that should not forget. Creditors will look very closely on how well you meet your financial obligations so make sure that you won’t miss out on anything. The more times you miss paying bills and loan payments the lower your credit score will become.

Nonetheless, you can accomplish your own credit repair with the right commitment. This is something very attainable with the right mindset and knowledge.

Related Articles - how to improve credit, repairing credit, creit repair tips, credit repair, way to improve credit score, ways to improve credit, damaged credit repair,

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