10 Credit Repair Mistakes

If you’re thinking about repairing your credit, or even if you’re going through the process now, there are some things you shouldn’t do. Here are 10 credit repair mistakes you want to avoid.1. Not repairing your credit at all.Perhaps the biggest mistake...

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Seven Credit Repair Tips

Keep these credit repair tips in mind as you work toward a better credit score.    Salvage what you can. Don’t sacrifice accounts that are in good standing for accounts that are not. Continue making timely payments on all your current...

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How To Get A Free Credit Report From the Credit Bureaus

The Fair and Accurate Credit Transactions Act of 2003 (FACTA) made it possible for you to get a free credit report. Through FACTA you can get a free copy of your credit report from each of the three major credit bureaus - Equifax, Experian, and TransUnion...

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Get New Credit

After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported...

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Bring High Account Balances Below Your Limit

Your credit utilization – a ratio that compares your total debt to total credit – is the second biggest factor that affects your credit score. It's 30% of your score. The higher your balances are, the more it hurts your credit score. Having maxed out...

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