| If you are wondering how to improve your credit the | | | | Screw either one of these up and your scores will fall |
| the information below will help you lay the foundation | | | | fast. |
| of good credit and give you some tips to improve your | | | | Once you are paying your bills on time and working to |
| credit score | | | | pay them off you need to start clearing up some of |
| The first step to getting your credit in order and your | | | | the negative items on your report that will also pull your |
| FICO score increased is to get your current financial | | | | scores down.This is often referred to as credit repair |
| situation in check. The best and most effective way to | | | | and can be easily accomplished. To start make a list |
| get this done is by sitting down and forming a monthly | | | | of any negative accounts on your credit report. |
| budget. By starting a budget you will be able to start | | | | Next draft a dispute letter for each of the accounts |
| paying your current bills on time and also set aside an | | | | and send the into the credit bureaus starting with the |
| amount to use to help pay down debt you currently | | | | oldest accounts. They will investigate the information |
| have. | | | | and if it the negative information cannot be verified |
| Paying down your current debt and paying your | | | | then it will be removed. As a precaution make sure to |
| account son time is critical because the amount of | | | | only send the letters two at a time or your dispute |
| your credit that you have used and paying on time are | | | | efforts could be flagged as frivolous and they will be |
| two of the biggest factors in determining your scores. | | | | ignored. |