| If you have been struggling with the effects of bad | | | | books available online that can help you. |
| credit and low FICO scores and are wondering how to | | | | Once you are on a budget and in the process of |
| improve your credit report you are in luck as I have put | | | | cleaning up your credit history you must add a good |
| tougher a short article that will help you understand the | | | | account or two to your report. If you have no credit |
| basics of rebuilding and re establishing your credit. | | | | history this can be tough to do, especially in todays |
| How To Improve Credit Scores Yourself | | | | tight market. However there still is one way to get |
| Increasing your FICO score and cleaning up your credit | | | | approved for a credit card even with bad credit. This is |
| report should be done in three steps. The first step is | | | | a secured card. |
| to get yourself on a monthly budget that you can live | | | | These accounts are backed up by cash that you |
| with and work to pay your current bills on time and | | | | deposit into an account that is held by the company |
| also working hard to pay down your current debt load. | | | | who issues your account. In the event you default or |
| You will then need to do some basic self credit repair | | | | do not pay your bills they can take the amount owed |
| and get some of the negative accounts taken off | | | | from this account. As long as you pay on time and do |
| your credit report. This is done with credit dispute | | | | not take the balance over 50% of the account limit |
| letters sent to each reporting bureau. If you are unsure | | | | you should easily have a positive account showing and |
| how to do self credit repair there are many kits and | | | | reporting for you. |