Five Tips To Repair Your Credit Score

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Five Tips To Repair Your Credit Score
By RL Kramer
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• Getting financially fit comes at top of our list,
  but where to begin?
• Having a good credit score can provide you a
  stable financial life. The foundation of any
  sound financial plan is a good credit score and
  if you are lagging behind, it is time for your
  credit repair.
• The majority of Americans have plenty of room for
  improvement when it comes to their credit scores.
  Having a better credit score means that you will
  get better interest rates for loans and credit
  cards, helping you save money in the long run.

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Here Are The Five Tips Which Can Increase Your
Credit Score.
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Review Your Current Credit Report
You can obtain one free credit report per year
from each of the three credit bureaus Experian,
Equifax and Trans Union. An annual review helps
ensure your report is up-to-date and accurate.
Also, your report might contain errors if you're
a victim of identity theft. Overall, reviewing
your credit keeps you informed about your
financial situation.
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Identify Your Biggest Problems

• Not all credit issues are equal.
• If you have a bankruptcy, judgments, or liens on
  your credit profile, youll want to address these
  first before others.
• Likewise, prioritize finding errors in collection
  accounts and charge-offs as these generally
  impact your credit scores more severely than a
  single late payment.
• If youre unsure of where to start or feel
  overwhelmed by too many decisions, talk to a
  credit repair expert or take help of credit
  repair services. They will guide you on how to
  tackle disputes in a smarter manner.

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Double-Check for Zombie Debt

• While you go through your credit report, pay
  attention to the dates and confirm that if any
  current negative items are still eligible to be
  listed on your account.
• This is a common tactic that debt collectors use
  to try to trick you to pay for a debt that is
  past the reporting limit.
• In cases like these, disputing the debt is your
  best option, as paying the debt may have little
  to no impact on your credit scores.
• Its your responsibility and right to get zombie
  (no longer owed) debt dropped off your credit
  report for good.

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Get Prepared for Dispute

• Under the Fair Credit Reporting Act (FCRA), you
  have the right to dispute all incomplete and
  inaccurate information in your credit report.
• Heres what you need to do to dispute incorrect
  information in your report
• Send a certified letter requesting debt
  validation from the creditor and wait for a
  response.
• If you dont get a response within the 30-day
  timeframe, file a dispute with the credit bureaus
  asking them to remove the inaccurate debt.
• If you receive a response, you may still be able
  to dispute if the information provided is
  incomplete or inaccurate.

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If Its Too Much to Handle, Hire a Credit Repair
Expert

• Keeping track of the laws, timelines, and written
  disputes can be a stressful task. If youre
  worried about handling your credit repair
  yourself, it is better to speak to a reputable
  credit repair expert to get yourself on track.
• Often, these services can handle everything for
  you and meanwhile you can focus on enjoying your
  new found financial freedom.
• If you need help choosing a reputable credit
  repair services, then we suggest you take help
  from Richard Kramer, a renowned credit repair
  consultant, who is helping people repair and
  improve their credit scores and maintain a
  healthy financial lifestyle for nearly 35 years. 

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Rlkramer.com
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• Credit repair is not an overnight job, but the
  results are lasting and worthwhile.
• Once you improve your financial past, you can
  live with a calming peace of mind and youll also
  be able to look happily towards your future.
• Everyone makes mistakes while using credit cards
  but luckily, its entirely possible to repair the
  damage within a reasonable timeframe.
• By following each of these five steps, youll
  have the knowledge and the power to use credit
  card carefully.

rlkramercreditrepairpro
Rlkramer.com
RLKramerLLC
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RL Kramer LLC Address 424 Baker Ave, Unit 1664
Whitefish, MT 59937 Phone [phone] Fax
866-352-2595 Email information_at_rlkramer.com
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Rlkramer.com
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