Some Simple Repair Tips For Crippled Credit

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Some Simple Repair Tips For Crippled Credit
by imjetred  on March 19, 2013
http//www.empowernetwork.com/imjetred/
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Thankfully, bad credit isnt forever. Use these
tips to learn how to repair your credit once and
for all.
Has your poor credit been holding you back from
getting the things you need? Many people see that
their credit scores are dropping in this economy.
Thankfully, bad credit isnt forever. Use these
tips to learn how to repair your credit once and
for all.
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Cut back on your interest rate
By keeping your credit score low, you can cut
back on your interest rate. This should make your
monthly payments easier and allow you to pay off
your debt much quicker. The way you can achieve
an excellent credit score is by getting good
offers and credit rates that are competitive in
order to make paying off debt easier.
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Make a solid plan and follow it
If you have to improve your credit, make a solid
plan and follow it. However, if you are not
prepared to alter bad habits regarding your
spending, nothing will ever change. Just buy what
you need, and forget unnecessary purchases. Only
buy something if you have to have it and you can
afford it.
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Write a statement is useless
It is difficult to just forget about negative
reports, but writing a statement is useless. It
can actually backfire. It brings attention to a
part of your report you would rather a lender not
look at very closely.  
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Consider credit counseling
If you are trying to repair your credit, you may
want to consider credit counseling. They can
teach you how to get rid of all you owe and still
live each month. The courses can be tough and
will require cancelling all of your existing
cards while also paying towards their debts each
calendar month.
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Get the credit limit reduced
People with bad credit ratings should contact
banks and see if they can get the credit limit
reduced. But only take this step if you can
maintain your balance at a low level. You want to
avoid lowering your credit limit to the point
that you run the risk of maxing out your current
balance.  
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Pay your bills promptly
Since your credit score measures how often you
are late on your bills, the best way to raise
your credit score is to pay your bills promptly.
Payment reminders can assist you in remembering
to make payments. There are a number of different
ways to set up a reminder. Set up your online
account so that an email is sent to you or have
your debtor text you a reminder.
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Limit the checks done on your credit report
A report of inquiries to your credit score is
noted on your credit report.
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Pay down current debts
One way to jump start your credit repair
project is to pay down current debts. As long as
you have unpaid debt remaining in your name that
you are not aggressively paying off the situation
will only continue to become worse, and this will
not help you!
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Keep your balances under fifty percent
If you have a card that carries a balance of over
50 of the limit, you should pay it down to below
50. You should keep your balances under fifty
percent anything over this and you can lower
your credit rating, so spread out the money you
own and pay down your credit cards.
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Get the terms in writing
If you are able to get a payment plan worked out
with any of your creditors, make sure you get the
terms in writing. You want documentation to back
yourself up so there will be no problems in the
future, and if the company owner changes you will
have more of a chance of keeping your plan. After
you have paid the debt off completely, keep your
receipt in case there are any discrepancies on
your credit report.
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Keep track of your battle
Keep track of your battle with credit bureaus to
have incorrect information removed from your
credit report. Meticulously document every single
contact, whether its snail mail, email, or phone
calls. Certify your letter of dispute for later
use so that you can prove it was mailed and
picked up by the company.
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Keep your checking and savings accounts active
Keep your checking and savings accounts active
and in good standing. Open accounts serve as a
proof of income and financial stability to
potential lenders. People with good credit have
checking and savings accounts in good order
without overdrafts and bad checks. This is a
basic requirement that all creditors
desire.   Use these tips to eliminate your stress
regarding your poor credit. The helpful tips help
stop your credit score from falling and make it
go up instead.
Click here to read more of credit repair articles.
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Good luck and happy blogging!
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