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3 Major Credit Bureaus - Which One Should I Contact?
There are 3 major credit bureaus that have information on your
regarding your credit history. Anyone that has ever applied for
a loan or credit of any kind has a file at one of the 3 major
credit bureaus. Since merchants usually report to only...
Best Credit Cards
Choosing the best credit cards to meet your personal credit needs is an important step to take. Credit cards are the best for short-term credit borrowing, and if you choose the best credit cards wisely, you won't be struggling with unmanageable...
Credit Repair for Identity Theft Victims
Identity theft victims are those people that loose simply
because someone has stolen their identity and run up their
bills. If you are victim of Identity Theft you are well-aware
how difficult it can be to get back on your feet again....
Types of credit card processing fees
There are a variety of fees you may encounter when setting up a
credit card merchant account.According to
www.websitemarketingplan.com, If a potential merchant account /
credit card provider does not mention one or more of the
following credit...
What is a Bad Credit History?
A bad credit history can sometimes seem like a curse... whenever you apply for financing or for a loan, it always seems to pop up and cause you problems. Having a bad credit history can even cause you problems when applying for some jobs or other...
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Learn How to Repair a Bad Credit Rating
===================================================
Learn How to Repair a Bad Credit Rating
You may have discovered that if you have a bad credit rating, it
is extremely difficult for you to get financing, loans, and
perhaps even employment. And having a bad credit rating often
leaves you feeling helpless and feeling like there is nothing
much you can do about it.
However, that is simply not the case and it is very possible to
not only get by with a bad credit rating but actually repair
your bad credit rating. And it doesnt have to be difficult. You
first need to understand exactly what your credit rating is and
what it says about you to your potential creditors. Your lenders
and creditors report your payment history, which is used to
determine your credit score. Your credit score is a numerical
value based on the number of positive and negative reports
submitted by your creditors. A high number indicates a good
credit rating, while a low number indicates a bad credit rating.
Your credit rating may change depending on the reporting
periods, which may be monthly or quaterly. This means if you
take positive action, a change for the better can and will be
reflected over a period of time. Where do you start? Well, if
you want to repair a bad credit rating, start by obtaining a
copy of your credit report. Your credit report will show
the
lenders who made negative reports and reported late payments and
missed payments. These are likely the causes of your bad credit
rating. You will want to contact the creditors who have reported
you for non-payment and arrange a repayment schedule with them.
Make sure that all your current accounts are up to date, so as
not to invite any more negative credit reports. In other words
don't continue to fall behind on your payments! Consistent
repayment of your debts over a period of time will gradually
lead to positive reports of your debts being paid, while the
rest of your accounts will continue to be in good standing since
you are now making your payments on time.
Over a period of a few months, you should have more positive
reports and less negative reports which will help tremendously
with your bad credit score. Although to completely eliminate and
get rid of your bad credit score, you will have to ensure that
you do not miss any more payments and that you continue to make
your payements on time. This strategy is a surefire way to
repair a bad credit rating.
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About the author:
Hanif Khaki is the sought after author of numerous finance
related articles and the founder of the popular Credit resource
site www.credit-repair.extra-information.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 |
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