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How Can I Repair My Credit Rating?
If you have had enough with being denied for loans and getting extremely high interest rates for credit cards you need to tell yourself, “I need to repair my credit rating”
The first step to take is to request a copy of my credit report. You can do this online or by mail by contacting any credit bureau. There are three that give you the information for free, they are: TRW, Equifax, and Trans Union Corporation. Look to see if there are any errors on the report such as bills that you have paid that come up as not paid. There are many errors on credit reports all the time which is why it is such a good idea to check your credit report at least once a year. If there are errors report them but make sure you have proof as they will not just take your word for it that you paid a bill.
Debt settlement is a good way to start taking steps to your “repair my credit rating” vow as with any outstanding debt your credit score will fall if you continue to not pay it off. There are companies which can help in debt consolidation but research thoroughly as many times these companies can do more harm than good to your credit. You can go online and research the many debt management companies there are just make sure to choose a reputable one.
The most important thing in repairing your credit rating is pay your bills on time. As long as you do not have any outstanding debts and you pay your bills on time your credit rating will improve over time. Conversely not paying bills will quickly cause your credit rating to fall.
The first thing is finding out if you have a credit problem and asking yourself do I need to repair my credit rating? If the answer is yes then take advantage of the many options you have to do so as it will be financially beneficial to you in the future to do so.
About the Author: Dean Iggo is the webmaster of EzCreditScore.net - Learn why your credit report is so important with simple steps to repair bad credit