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How To Get Rid Of Your Bad Credit In Two Months

You were sure that you would get the loan that you applied for, but to your surprise, a bank turned down the loan. The bank explained to you that you have bad credit and they consider you sub prime. What, you may, ask is sub prime? Sub prime means that you have bad credit and score of less than 620 on the FICO scale / rating. This however doesn't mean that you can't apply for loans. There are many lenders and companies who specialize in lending to sub primers.

Ways to get ...

credit repair,bad credit

You were sure that you would get the loan that you applied for, but to your surprise, a bank turned down the loan. The bank explained to you that you have bad credit and they consider you sub prime. What, you may, ask is sub prime? Sub prime means that you have bad credit and score of less than 620 on the FICO scale / rating. This however doesn't mean that you can't apply for loans. There are many lenders and companies who specialize in lending to sub primers.

Ways to get rid of your bad credit in two months:

You can start by checking your credit report. Many times the information that may have been entered is incorrect. If you do find the errors, write to the credit company stating the errors and the corrective action for it.

Ask for your credit scores from Trans Union, Experian and Equifax. Thus you can know your credit score and devise measure to make it better.

Pay off your loans; even payday loans can become big if you add them up. Control the urge to borrow small, even if it is $20. Just imagine $20 a day means $600 a month.

Use cash to make your purchases; this way you can definitely lessen your credit card debts. Use only one credit card. Too many credit cards means that you have to also pay annual fees on them. Don't take cash against your credit cards. The rate of interest on cash loans is very steep. In fact make a payment in full for your credit card purchases. In this way, you wouldn't have to pay for interest on interest.

Make a budget for all your expenses and then weigh it against your income. If your expenses are more than your income, cut back on the expenses. Otherwise you will be in debt. This will then affect your credit rating. In return, you will have bad credit.

Following these simple techniques, you will be able to get rid of your bad credit in two months.

 

How to Quickly Fix Your Bad Credit?

Our credit history makes a great impact on our lives. For example, a good credit history will help us to easily obtain loans for a car, a house or other large items with lower interest rates. If you are in the bad credit situation, here are some tips to quickly fix your bad credit.

credit, bad credit, credit score, credit rating, rebuild credit, credit record, credit history

Our credit history makes a great impact on our lives, beyond what may appear on the surface. For example, a good credit history will help us to easily obtain loans for a car, a house or other large items with lower interest rates; beside that, a good credit history also help us to obtain more attractive interest rates for our credit card accounts.

Many of us may not know that many companies check their job applicants' credit history to determine their financial responsibility. So, if you have a good credit history, you will have a better chance to land on the job of your dream.

Now you know how important your credit history is and it is important maintain it. Your credit history will suffered every time you delinquent your payment on your credit card or loan installments. In some cases, the situation can get worse to the point where repair is almost impossible. Having a bad credit history definitely will not be a good experience when come to the loan application, but luckily if you are in bad credit situation, with some effort, you actually can turn it around. How quickly it takes to fix a bad credit score will depend on you.

Your credit history can not be cleaned up overnight. It takes patience, discipline and some strategies to put in place to rebuild the good credit records. Here are some tips to quickly fix your bad credit:

<b>1. Create a realistic budget</b>

The first thing that you need to do is to budget your spending. With a budget in place, you know where your cash flow. Allow some funds for non-necessities, but keep this amount down for the time being. This way, you make sure that your needs are covered, and you won&#39;t feel like you are sacrificing your fun. This kind of budget is easier to stick to than the punitive kind that only allows expenditures on requirements and loan payments.

<b>2. You must cut your spending</b>

Many who try to fix their bad credit failed at this stage because this simple task is always the hardest to implement by most people due to the incurable spending habit. The first thing to change is your spending habit; try to reduce the unwanted impulse purchases first (sometimes it hard to cut it totally) and then eliminate it totally; plan what your want to buy and buy things which are in your budget plan.

<b>3. Have fund in your bank account</b>

Open a bank account and keep funds in it at all times; most banks report to the credit bureaus; this will help build a good credit rating.

<b>4. Get your debt under control</b>

Keep payments current and whenever possible make extra payments on your debt. This will dramatically improve your credit rating over time.

<b>5. Keep your credit account open</b>

Don&#39;t close accounts even you have paid them off; let them stay open but don&#39;t use them. This improves your credit to debt ratio and is one of the fastest ways to rebuild your credit rating and FICO score. This tip is the most important factor to quickly fix bad credit.

<b>The bottom line</b>

If you are already in the bad credit situation, fixing it won&#39;t be easy. But this is the only way to go. Patience &amp; discipline are the key factors to determine the success of turning your credit history and rebuild your credit record.

 

How To Repair Bad Credit

The first step needed to overcome a bad credit is to snatch a copy and take a look into your own credit report because incorrect information on your credit report will only make matters worse if you already have a bad credit rating. According to the US Public Interest Research Group, one quarter of the credit reports ordered contained errors. You can order a copy of your credit from three credit reporting agencies – Experian, Trans Union and Equifax. You are entitled to one f...

bad credit, finance, loans, credit repair

The first step needed to overcome a bad credit is to snatch a copy and take a look into your own credit report because incorrect information on your credit report will only make matters worse if you already have a bad credit rating. According to the US Public Interest Research Group, one quarter of the credit reports ordered contained errors. You can order a copy of your credit from three credit reporting agencies – Experian, Trans Union and Equifax. You are entitled to one free copy of your credit report per year, and each time you are refused credit, employment or insurance.

If you are sure that there are false Statements on your Report, write a letter to each of the Credit Reporting Agencies. Explain the questionable items in detail, and provide proof to back up your claims (Paid Receipts for example). Investigation takes 30 days, and decision will be made after that period.

If you are planning to get professional help, be aware of your rights as a consumer outline in the Credit Repair Organizations Act (CROA). According to some of the provisions provided by this Act, the credit repair company cannot make false claims about their services, or charge you until they have completed the promised services, must have a detailed description of the services to be performed, duration, and guarantees if they can offer any.

One important step that can be really helpful in repairing bad credit is to negotiate with your creditors for a repayment plan keeping in mind how much you can afford and intend to pay. It may also be possible to get them to remove the charge off from your report and replace it with "paid as agreed" by offering to pay a certain amount per month. Many creditors agree to remove the negative from credits report in return for payment because they are sure that the will get their money back this way. You can also try to get them to drop the interest too in exchange for a lump sum as first payment.

Another action that can be taken in order to deal with bad credit is to get help through a credit counseling company. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. These agencies can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops, information and referrals. Certified and trained counselors will discuss your entire financial situation with you, advice and help you to develop a personalized plan to overcome your financial problems.

Here are some other important steps that can be taken to improve bad credit:

1.Pay all of your bills on time, which accounts for 35% of your FICO score.

2.Get a secured credit card to help reestablish your credit

3.Request in writing to your creditors to reduce the credit limits on your accounts to lower your amount of available credit since the total amount of available credit is considered by lenders even if you owe nothing.

4.Request in writing to your creditors to close some of your credit card accounts and report this status change to all the three credit-reporting agencies.

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