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Bad Credit Loan UK Bad Credit Unsecured Loan Unsecured Loan UK Unsecured Personal Loan
Bad Credit Loan
Because so many of us use credit facilities to manage our day to
day finances, bad credit can be recorded to our credit history
for any number of reasons. For example, not being able to pay
your previous loan instalments or...
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...
Home Equity Line of Credit - Finding The Best Home Equity Lender
Borrowing against the value of your home using a revolving credit account is known as a home equity line of credit. Lenders offer home equity lines of credit in several ways with either fixed or variable interest rates. Information on obtaining a...
Learn About Prepaid Credit Card
Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time...
Third World poverty is created by giving aid as credit
What is the trick by which a poor nation can have money to spend without receiving any money? The trick is to enable that poor nation to create new money by borrowing new money into existence. Western Governments allow private banks to create new...
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Repair Your Credit...The Right Way!
Copyright 2005 MHG Consulting
How to Repair a Bad Credit Rating…The Right Way!
If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.
Once you have a bad credit rating, it might seem like there's nothing that you can do about it… but you don't have to believe that. It's not as difficult as you might think to get by with a bad credit rating; with a little work and time you can even repair it! Of course, before you do that it's important to realize exactly what a credit rating is.
Every time a lender or other creditor makes a report concerning your payment history to them, this report affects your credit score.
Your credit score is a numerical indication of the positive and negative reports that you've received from creditors and lenders; if the number is high then you have a good credit rating, and if it's low then you have a bad credit rating.
Basic credit repair
Get organized! Make a folder for all your correspondence offline and online. You will have to do some snail mailing but in most cases you can work your repair online.
In the U.S. a 630 rating
will qualify you for a mortgage. You can still get credit with a lower score but not at a premium interest rate.
The important thing to do is obtain your credit report and study it. Mark all the negative items.
Most unsecured credit, mostly credit cards, can stay on your report for 7 years. If you find any over that, write to the credit bureau and ask them to remove it. They are required by law to research and report back within 30 days.
If they don't, you can threaten them with a letter to the Better Business Bureau or
Federal Trade Commission.
Find any other negative items and determine they are correct. If not, write the bureau and tell them its not your debt.
Even if you aren't sure, ask the credit bureaus to investigate. Many times, they will not be able to verify the debt because the credit card company, auto loan company or other creditor won't get back them within 30 days (required by Fair Credit Act).
Dan is the owner of Repair Your Credit...The Right Way!. For the contact information on credit bureaus as well as samples of letters to send to them, go to:
http://www.repair-credit-right.com
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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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