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Building Credit Ideas
There are several ways that we can build credit. If you are tired of collectors hounding you, or if you are frustrated that no one will loan you money because you never had credit, it is time to learn how to build your credit. First, and foremost...
Credit Card Traps, And How To Avoid Them
"0% interest* for the first six months, no annual fees** and a low fixed*** rate of only 8.9%****!" * Unless you count the deferred interest we will charge you if you don't pay off the full balance transfer amount when the promotional period...
Get The Best Credit Card Merchant Account
Looking for the best credit card merchant account? Admittedly,
there are a plethora of lenders to choose from when you browse
the Internet for merchant account services. But what are you
really looking for? Do you want an enhanced business...
Poor Credit And No Respect
One of my favorite comedians of all time was the great Rodney Dangerfield. This bug-eyed king of the one liners made millions of dollars proclaiming how he didn't get any respect. His comedy was priceless. The saying "I don't get no respect" easily...
Using A Credit Card To Fund Your Business
The spate of credit card offers and leaflets that most of us receive through the post or in our daily newspapers, which promise us unlimited spending power and in some cases blank cheques, has threw up a major surprise and that is the way that small...
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Immediate Steps To Improving Poor Credit
Credit can be a wonderful thing, but it can also be a dangerous
pitfall, with disastrous results, when it gets out of control,
even it happened through no fault of your own. If you find
yourself overextended, here are some ideas for improving your
credit.
The first step is to acknowledge your dilemma. Denial is a
natural reaction, but you absolutely must face up to the fact
that you're in trouble, and begin to work your way out of it.
Don't ignore your bills. That won't accomplish anything and will
only compound your poor credit problem in the long run.
The next step is to contact all of your creditors and tell them
your situation, the sooner, the better. Ask them to set up new
payment schedules for the debts you owe. Make sure that the
schedule you agree on is one you can actually manage. Contacting
them and being honest with them, telling them that you really
want to fulfill your obligations, but need to set up a different
repayment plan also shows them that you're sincere about paying
them back. In most cases, you'll be pleasantly surprised at how
willing your creditors will be to work with you on setting up a
new payment plan that you can live with. After all, they'd
rather receive their money a little more slowly than never
receive it at all.
Immediately stop charging anything else. That should be
obvious,
but being able to buy things on credit can actually become a
habit that can be very difficult to break. However, if you have
poor credit, the one thing you DON'T need is more debt! Take
your credit cards out of your wallet and put them away--or cut
them up, if you have to, to make sure they're not available for
easy use.
Those are the first steps toward improving your credit. You have
shown good faith with your creditors, and you've stopped
accumulating further debt. Don't expect miracles, because it
will take time to undo the financial difficulty that may have
taken years to get yourself in to. But you can do it, and you'll
find most of your creditors will be quite willing to help. After
all, they have a financial stake in this, too.
It can be a long, difficult process, but if you face up to your
difficulty, summon your courage, and then begin to take positive
steps, you CAN once again find yourself on the road to regaining
control of your finances.
Copyright © Jeanette J. Fisher
About the author:
Jeanette
Fisher teaches six ways to build credit. Free credit ebook "Credit
Tips for Mortgage Financing" http://worryfreecredit.com
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| Credit - Wikipedia, the free encyclopedia |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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