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SpinDistribute.com Article Directory

The following article was published in our article directory on August 30, 2013.
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5 Tips on Credit Score Repair – Fix and Rebuild Your Credit Effectively

Article Category: Finances

Author Name: Harry Vitt

It's hard to live with a bad credit. Anyone with a poor credit history knows how difficult it can be to acquire new credit and cheap interest rates. It also affects insurance premiums and loans. If you're wondering how you can rebuild your credit, here are five tips to help with your credit score repair.

1) Obtain a copy of your credit report, and fix any errors.

Many credit reports contain various types of errors so it's best to check your own copy, and make sure that you don't get penalized for mistakes that are not yours. You can get free copies of your three credit reports from the bureaus every 12 months. You may report errors by sending copies of the document to the credit reporting company.

2) Pay bills and debts promptly.

The history of your payments is one of the most important factors in calculating your credit score so it's important to start paying all of your bills on time from now on. If you consistently make payments on time, you could possibly ask letters of recommendation from these firms if you plan to apply for credit.

A great way to make sure that you don't neglect payments is to have automatic deductions from your checking account. Contact your creditor immediately once you miss a payment, and ask if the late payment could be removed from your history.

3) Get a secured credit card.

Find out if you can apply for a secured credit card. This card entails a certain deposit that becomes the credit limit. It helps with your credit score repair process because the transactions are reported to the credit bureaus. After one year of timely payments, you can possibly upgrade to an unsecured credit card. Try to make full and prompt payments every month, and then you may try to apply for a regular bank credit card after 6-12 months.

4) Pay off credit card debt.

Pay off your credit card debt as much as you can, and avoid closing cards. When you close credit cards with existing balances, your credit score will go down. Switch to a credit card with no annual fee instead of closing your card.

Also, it's not recommended to open too many accounts within a short period of time as this will only bring down your credit score. Prioritize paying off your debt with the highest interest rate.

5) Set a budget.

List your top expenses that you pay with your credit cards. Track these and avoid overspending. Many of us tend to buy unnecessary luxuries impulsively without noticing the debts that pile up continuously. By changing your spending habits, you can manage your credit cards more adeptly, and you can also avoid missing payments.

Credit score repair may take time and effort but it's a good decision that can help you with your future credit needs. By paying off credit cards and loans on time, you can show that you're responsible when it comes to handling your finances, and you can greatly improve your credit score. Just follow the tips above and you'll be on your way towards a successful credit repair.

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