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Paul Chehade - Use These Tips To Fix Your Credit Issues
Paul Chehade - Use These Tips To Fix Your Credit Issues.
Having bad credit can be stressful and annoying. It's one of the main stumbling blocks to a successful life. It can make you feel like you are in debtors' prison with no hope of escape. However, it is possible to fix your current credit problems and take steps to protect your future credit rating.
Creating a payment plan and sticking with it is just the first step to getting your credit on the road to repair. Be totally committed to changing your spending habits. You should only purchase the necessities, and skip the impulse buying. When considering a purchase, ask yourself if the purchase is necessary and affordable, if you answer yes to both, you should buy it.
Opening an installment account can give quite a boost to your credit score. There is a minimum amount each month that you will have to pay, so be sure not to get in over your head. You can quickly improve your score by successfully managing these accounts.
Avoid paying off high interest rates so that you don't pay too much. There are laws that protect you from creditors that charge ...
... exorbitant interest rates. Although, in reality, you did agree in advance to pay any interest charges incurred. Be very wary of suing your creditors, especially if all of your issues were covered in the contract.
Don't get involved in anything that could get you arrested. The web is full of scams that show you how you can craft a deceptive credit file. Doing this is illegal, and you will be caught. In addition to the possibility of facing jail time, you could be fined, your attorney bills may be substantial, and your reputation could be ruined.
Give your credit card company a call and ask them to lower the limit on your credit card. It will pay off in lowering the risk of excessive borrowing and reflecting good financial decision making on your behalf.
When you want to rebuild your credit, take a close look at any negative reports that are harming your credit. While the credit item itself may not be in error, if you can find a mistake in the date, amount, or any other factor, you may be able to have the whole item removed from your report.
Sign up with a credit union if you need to get a new credit line and are having a hard time. They may offer better rates and more credit due to local conditions as compared to national ones.
If you find a mistake on your credit report, be sure to dispute it! Draft a letter to reporting agencies disputing negative entries and also submit any available documentation. Make sure when you send the dispute package that you request proof by signature that it was received.
Simple tips like these will help you fix your credit problems and keep your credit healthy. A high credit rating is essential for most people, so learning about repairing your credit is hardly a waste of time.
Paul Chehade
Solidary Foundation
http://www.solidary.org
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http://www.solidary.org
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