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| − | When struggling with your credit, it can seem like finding what you need to fix it is impossible. Do not let this overwhelm you: this article contains the basics of what you need to know to fix your credit. These tips can relieve you from stress and save time.
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| − | Always do research before contracting a credit counselor. Many counselors are honest and helpful, but others may be less interested in actually helping you. You'll find that other ones are just scams. Consumers should always check to see if a credit counselor is not a scam before deciding to use them.
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| − | Do not carry high balances on any of your credit accounts. Just lowering your balances can raise your credit score. When balances are and increments of twenty percent of your total available balance on that account, the FICO system will take note.
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| − | When attempting to fix your credit score, exercise caution when it comes to attorneys and legal teams that advertise instant repair of credit. Due to the huge amount of people with credit problems, lawyers have emerged and offer to repair credit for a huge fee, and most of the "repair" is illegal or useless. Look into potential lawyer help carefully to make sure you aren't being scammed.
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| − | If an action can result in imprisonment, draw the line. The web is full of scams that show you how you can craft a deceptive credit file. You will be prosecuted, it is against the law. The legal proceedings will be costly, and you may even be sent to jail.
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| − | If you need a credit card to aid in fixing your credit but you cannot obtain one due to the state of your credit, applying for a secured credit card is an option. Anyone can get one, but you must load money onto the card as a type of "collateral". If you use a credit card responsibly, you will go a long way in repairing your credit.
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| − | When you have better credit, you will be offered lower interest rates on loans and credit cards. By doing this your monthly payments will be easier to afford and your bill will be paid off faster. It's important to look for a strong credit offer with competitive rates; it will make paying off your debt and keeping a strong credit score much easier.
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| − | Devise a plan for paying off any collection accounts or past due debts. These will remain on the credit report, but will be reported as paid. This is better than having past due debt.
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| − | This will make sure that you maintain a good credit status. Late payments to credit cards are reported to the major credit agencies and can hurt your chances for securing a new loan.
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| − | Maintain an active bank account, both savings and checking, to begin credit repair. If you have accounts in good standing, it can give credits a signal that you have money coming in on a regular basis and that you are protected in the event of an overdraft. It is, however, very important that you keep your saving or checking record clean. The accounts must look perfect to the creditors for them to be impressed.
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| − | Find out more about debt consolidation to see if it is a tool that will help you repair your credit. Consolidating your debts may be the best way for you to reduce your debt and fix your credit. This way you can have multiple debts consolidated into a single simple payment. Make sure you know the specific details of any consolidation plan you evaluate in order to determine if it is the best one for you.
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| − | Repair your negative credit to open up more opportunities in the future. Take comfort in the fact that you do have no-cost options to repair your credit; all it takes is a little bit of footwork to get it done. Apply what you have learned from this article, and begin your journey toward better credit.
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