| We all want more out of life than we have. Don't | | | | 1. Contact your creditors and tell them to send you |
| worry that does not mean that you are greedy like | | | | proof of any debts they say you owe. If they do not |
| some believe. Even if you are content with the life | | | | respond you can contact the credit reporting agencies |
| style you have having a great credit score can | | | | and have the debt removed from your credit. |
| improve your current situation. Maybe you want to buy | | | | 2. Once you have removed all the items you dispute. |
| a house or a new car if your credit score is lower | | | | You can contact the ones you acknowledge and set |
| than 700 you are going to get reemed with the interest | | | | up a payment arrangement or a settlement offer. |
| rate because you are considered high risk. Getting | | | | Many times they are willing to settle for 20-50% of the |
| your credit together will stretch your current dollars | | | | total debt you owe. They figure they would rather |
| even if you are not looking to make more money. | | | | have some money than none. |
| I have friends who have gone through the same | | | | 3. Once you have have set up your payment |
| program and cut their mortgage rate's by as much as | | | | arrangements you can try to reestablish your credit by |
| 40%. I don't know about you but that sounded great to | | | | applying for a credit card. If you are not able to get a |
| me and the reality is that you can do the same thing | | | | traditional credit card get a prepaid credit card and |
| with very little effort. However just like anything worth | | | | start with a small deposit like $300 and max the card |
| having it is going to take some work to get your credit | | | | out and pay the balance off every month. Even |
| back on track. However you are going to get the | | | | though you are going to be paying interest it will build |
| information from those who have done it and are | | | | your credit. |
| continuing to help others achieve the same results. | | | | 4. Pay your bills on time and in advance if possible. This |
| I will not harp on it too much but there are really only 4 | | | | is always going to help you keep the credit your are |
| simple things you need to do to get your credit score | | | | establishing with the above steps. |
| back on track. Below is a quick list of those things. | | | | |