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Having healthy credit is more important today than ever before. Unfortunately for many of us, we tend to carry more debt than is healthy for us, and we end up eventually taking hits to our credit score. In today’s economy this can be especially painful, as you may be denied for things like auto or home loans. Thankfully, even if your credit is less than perfect, there are some things you can do to fix it. If you have ever found yourself wondering “How to fix my credit?” read on.
There are 5 easy steps you can follow to repair damaged credit:
- The first thing you need to do is get an accurate copy of your current credit reports. There are a variety of ways to do this, from requesting your free (1x/year) copy from the credit bureaus themselves, to signing up for monitoring services which provide you reports whenever you want.
- Next, carefully evaluate your reports, looking for items that you feel are in error or that you could negotiate to have removed from your report. You will also want to educate yourself as to how to properly negotiate with companies.
- Third, you should read all you can about how the credit bureaus work and operate, and learn how the various dispute processes work. You may even want to draft letters in advance so that you can remember exactly where you are in the process, and keep a consistent tone in your communication with the credit bureaus.
- Fourth, you should begin the dispute process with the credit bureaus. Make sure to familiarize yourself with all the applicable laws and the dispute process itself. This will take time, and possibly many letters back and forth between yourself and the credit bureaus. You may want to read other books on how best to engage the bureaus in this process. Do not be discouraged if this step takes a while, because this process is truly the best advice to follow for anyone speculating on how to fix my credit, and will produce results.
- Finally, make sure to get another copy of your credit report to make sure that the credit bureaus have complied and removed the negative items from your report.
If you perform all the necessary research, and educate yourself as to how companies and credit bureaus operate, you will be in a much better position to get them to do what you want. Following this tried and true process is really the best way for anyone to repair their credit. Stick to this plan, and you will never find yourself pondering “How to fix my credit?” again. Once your credit is fully repaired and up to the level it should be, you will find yourself qualifying for the best rates and deals around, and will enjoy increased financial flexibility. This can make your life easier in more ways than you may suspect; You will see better rates on everything from your loan interest rates, to insurance prices, to your credit cards!