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Fixing Your Bad Credit For Dummies

Apr 19, 2008
Fixing your bad credit can be very stressful at times and it feels like it's never ending where the bills keep piling in and it seems like you're making no progress. While most people tend to just give up and declare bankruptcy, there are many ways you can fix your bad credit and start off where you started when you first grabbed your first credit card.

Below, I'm going to list off a few steps you need to take immediately so that you can re-build your score back up. Some of these steps aren't hard at all and in fact, you can start these today, while others are going to take hard work and dedication. We all know that money doesn't' come easy and in order to get it, we need to work for it.

Let's check the credit reports

The first thing you're going to want to do when you start your bad credit fixing job is request one of your credit reports. The government has made it easy to obtain one since they passed a law stating you can get your credit report for free with no strings attached. Once you get a hold of your credit report, you can either request it to be mailed or you can print it from your computer.

Once you have that report in your hands, you're going to want to study everything on it. This report is going to have every account you've opened in the history of your life. Simply glance over everything and make sure everything is legit. If you find one thing that looks fishy or suspicious, you're going to want to report this immediately. This could be hurting you more than you actually think. To fix an error, contact the bureau you requested the report from.

Attack the debt

Now comes the fun part when it's time to attack the debt itself. There are many ways you can attack the debt from contacting a company to assist you or making a plan yourself. A simple plan that most people like to follow is by simply paying off the littlest or the highest balance off first and going from there. People find that if they concentrate on one card, it's a lot easier to focus.

The important thing to remember is that you must pay the minimum at least on all the other cards so that you can avoid more trouble. Remember, as I stated earlier, you're going to need money in order to pay off your bills. If you need a second job to attack your debt, get it! You can always quit your other job when the debt clears.

Fighting off debt isn't fun but if you have the motivation and dedication, you can easily fight it. Nothing feels better than having a clean slate when you pay off that last bill. The last thing you'll want to do is declare bankruptcy. Once the dust settles and your credit starts to re-build, you'll feel a lot better and your family will too.
About the Author
Find the best secured credit cards and more of Tom's work at FINDsecuredcards.
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