| Is your credit score in need of improvement? Here's | | | | - Information or accounts that are not your own |
| some timeless credit repair info that will help you | | | | - Bankruptcy comments more than 10 years old or |
| understand what causes your credit score to diminish | | | | claims that were made whilst bankrupt that are still on |
| and a few tips that will quickly help you boost it back | | | | your file |
| up again. | | | | - Negative information or comments greater than 7 |
| Your credit rating is a snapshot of your credit history - | | | | years old. |
| so keep it clean | | | | - False or fraudulent claims - make sure you have |
| You may not realize that even if you have had a solid | | | | written evidence. |
| payment history, but fail to make payment when due | | | | Never let disputes get to collections |
| just once (no matter how unintentionally), your credit | | | | Often we will refuse to pay a bill because we feel it is |
| report can be tarnished simply because the creditor | | | | unjust, or incorrect or that it is not our responsibility - |
| who was paid late, can and often will make a negative | | | | which may very well be the case... but if any credit |
| comment on your credit report and this will in turn | | | | company hands the bill over to a collections agency, |
| affect your credit score. | | | | the result will be a 'black mark' and negative comment |
| And you may not even be aware of this until you | | | | on your credit rating and a drop in your credit score. |
| apply for credit or your credit report, but this comment | | | | To avoid this, pay the bill - no matter how justified you |
| will sit there indefinitely - unless you do something | | | | may feel... then get all the evidence together and get |
| about it. | | | | your money back plus costs through a small claims |
| So the key here is to always keep track of your | | | | hearing. |
| payments - and if you know that you are going to be | | | | Sure it will be a longer process with a bit more work |
| late, make direct contact with the credit supplier and | | | | for you but it's far better than your credit rating being |
| discuss it with them. | | | | black marked. |
| This will do two things that work in your favor: | | | | Just make sure you have sound evidence that the bill |
| It shows the creditor that you are committed to timely | | | | is not yours so the creditor cannot turn the tables and |
| payment and you can request that they not make a | | | | sue you - a lawsuit or judgment will actually damage |
| negative comment on your credit report, and it builds | | | | your credit rating. |
| trust and good credit relationship so that the creditor is | | | | To conclude - most good credit repair advice is based |
| far more likely to work with you and not against you. | | | | on common sense and sound financial management |
| Incorrect information can damage your credit score | | | | on the individuals part, which if done correctly and |
| You need to be vigilant and keep a watchful eye on | | | | often will enhance your credit score without requiring |
| your credit report because it is quite surprising how | | | | too much extra effort on your part. |
| often false statements or incorrect data is entered to | | | | However it is well worth seeking as much free |
| the wrong file. Not to say that it is common, but it does | | | | information and advice as possible so that your credit |
| happen and you don't want it to be on your file as will | | | | rating is constantly improving over time - giving you the |
| diminish your credit score. | | | | benefit of easier credit access, lower interest rates |
| In order to remedy this you should check at least once | | | | and better insurance premiums, not to mention the |
| a year, but every 6 months would be ideal. You are | | | | many other benefits a healthy credit report brings with |
| entitled to one free credit report per year from or you | | | | it. |
| can get subsequent copies from | | | | For much more free credit repair info visit the link |
| Then take the time to study it and look for: | | | | below. |
| - Incorrect late payment reports, where you have | | | | You can also get a free 5 day video course covering |
| evidence of timely payment | | | | the whole process of quick credit repair. |