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Bad Credit Repair

Perhaps you've been turned down for a credit card, auto loan, or home loan and wondering if happened because of bad credit and a need to repair it. Or, perhaps you've simply discovered that your credit score isn't what you'd like it to be. Regardless, bad credit repair is a common concern for millions of Americans, and there are many options out there for those who are interested in repairing their credit.

Do you know all three of your credit scores? It only takes a minute to get your Free* Credit Score! It's fast, easy and secure!

The first step is to educate yourself in terms of your own credit information and what it means. Get copies of your credit report from all three credit bureaus. Each credit reporting agency keeps their own records and calculates their own scores, so it's important to know what your credit actually says about you.

Bad credit repair also involves watching out for errors and identity theft. Be sure to check your credit reports very carefully for any suspicious activity, and report it right away to the credit agency that sent you the report.

If you don't have any errors to report, but you do have some work to do to repair your credit, don't worry there are many things you can do.

You might want to start by speaking to a credit counselor, and looking into debt management programs. A credit counselor is someone who specializes in bad credit repair, and who can make suggestions specifically designed to help you.

But in general, there are a few things you can do right away. First of all, pay all your bills on time. If you need to negotiate lower interest rates or more flexible payment schedules, don't be afraid to call your lenders. They would rather get their money on a fixed schedule than none at all!

Next, pay down your debts as quickly as possible, starting with the highest interest loans and credit first.

Finally, use credit cards and other loans as minimally as possible, and work on keeping any debts you accrue at 40% of your available credit or less. This looks good to credit companies and helps you to stay in control of your own finances.

Bad credit repair is mostly an issue of organization and careful money management. With time and patience, and perhaps help from a good credit monitoring program, you'll be on the road to improved credit in no time!

Get all three of your credit scores? Start your Free* Credit Score! It only takes a minute. It's fast, easy and secure!

(*With enrollment in Credit Score Complete)