| I get asked a lot about how I managed to raise my | | | | to my balance limit and that I did not have as much |
| credit score so quickly. Many people have been | | | | available credit as I knew I did. Errors like this can have |
| struggling with a bad score for years, while others | | | | a huge impact on your current score, but can go |
| have only recently fallen on hard luck. Whatever your | | | | unnoticed for months or years. If you catch them, they |
| plight, I want to share my success story with you so | | | | should be easy to fix. |
| that, in the future, you'll be able to quickly and easily | | | | Handling Current Debt |
| remove the barriers standing between you and a | | | | Finally, it is important to deal with whatever current |
| credit worthy status. | | | | debt you have. Whatever errors there may be on |
| Gathering Data | | | | your report, the single greatest thing you can do to fix |
| When it came time to start boosting my credit score, I | | | | your credit is to reduce the debt load you hold. Having |
| needed some data. The best way to get that data is | | | | thousands of dollars in credit card debt is a situation |
| to ask for your free reports from the three major | | | | that will not only make it harder to get more credit |
| reporting bureaus. Each one is legally obligated to | | | | when it is needed, but that can result in a great deal of |
| provide this information once a year. If you have | | | | payments each month. And with high interest rates |
| trouble understanding your report or see things that | | | | and long repayment terms, it can be extremely hard to |
| don't make sense, there are attorneys who specialize | | | | fix the problem unless you take hold of the reins and |
| in analyzing credit reports and helping you fix errors on | | | | start paying down that debt. |
| them. | | | | There are a number of ways to fix a bad credit score. |
| Fixing Old Errors | | | | I have only scratched the surface of what is possible. |
| To raise my credit score, I needed to fix errors that | | | | If you are willing to put your nose to the grind stone |
| were on my report. There were a few small errors | | | | and work hard to protect your good name, credit |
| that I had seen many times before and never gotten | | | | report issues do not have to be a problem. Whatever |
| around to disputing, and then there were a number of | | | | your situation, know that you're not alone and you don't |
| newer issues that were detrimental to my credit. One | | | | have to remain in the hole you're currently in. There are |
| such issue was a card with a four figure limit that was | | | | paths back to credit worthiness. Just get out there and |
| being reported as having a $400 limit. The wrong | | | | start looking. |
| reporting resulted in it seeming like I was much closer | | | | |