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