Introduction
Getting fixed credit does not have to be as difficult as it might seem if you follow some simple advice. Credit is so important these days. You can't get a job, a car, or a place to live without having good credit. Our credit scores can often get lower without us even realizing it, so it is important to keep a check on your credit scores to be sure that your score stays where it should be. You should check your credit as often as possible, at least twice a year or more if you are turned down for credit.
Step 1
The first step to being able to get fixed credit is to know your score. You must know your credit score before you even begin the process of repair. You can get a free credit report each and every year. It is also free to view your credit report if you are turned down for any credit. This is so important to remember, because if you are armed with this information, you can make wise credit decisions to get your fixed credit score back where it should be.
Step 2
Once you have your free credit report, you can begin the process of getting fixed credit repair. You should view each and every item on your credit report and check the report for any errors. If you see an error, it is important to contact that creditor immediately and dispute the error. You can often get these errors removed quickly by simply contacting the creditor and asking them to remove the error.
If an item has been on your credit report for over seven years, by law it must be removed. If you see outdated information on your credit report, report it to the creditor and have them remove it. This is the best way to get fixed credit.
Step 3
Many people allow their credit to become poor simply because they do not deal with their creditors. If a bill collector is calling you, it is because you owe a debt. Don't try to ignore the creditor, thinking that the problem will go away. Ignoring your debts will only make things worse and cause issues when you are trying to get fixed credit. This will add to your credit score issues and lower your credit score even further. You can also face many fines and even court cases. Work with your creditors on a payment plan that you can afford so that you can get out of debt.
Step 4
There are agencies that can help your get your credit fixed. They work with your creditors to come up with a monthly repayment plan. They also help remove errors and outdated debts from your credit report. This can be very helpful if you have poor credit and need help in restoring your credit. Many of these businesses do charge a fee, but there are some nonprofit agencies that can offer credit counseling at no charge to you or based on your income. You can find more information in your local yellow pages.
Step 5
Staying on top of your credit score just makes sense. Don't let your credit get so bad before trying to get fixed credit. This will only make the process much more difficult. Be sensible when applying for credit and credit card offers. Don't get in over your head in debt to where you can't afford to pay for your credit. This can cause you great problems with your credit score and lead to you have debt and a poor score. This can truly affect your life in many ways, so it is important to try and stay debt free and keep a check on your credit score and report.
Tips and Comments
- Get your free credit report.
- Get your credit fixed quickly.
- Pay your debts.
- Check your credit regularly.
