How to repair bad credit

 

A few years ago my credit rating took a huge hit after my

divorce. I had to get rid of my luxury sedan and get a smaller,

used car. I was astonished to find that the insurance premiums

on my used, less expensive car were double what they were on my

new luxury sedan. When I jumped my insurance agent about it I

was told it was because my credit was bad! It had nothing to do

with my driving record (which was perfect) nothing to do with

tickets (which I didn't have) it was all about my credit. I

couldn't believe it, but I was determined than and there that I

would do whatever it took to use credit repair credit cards and

get my score back where it should be.

Today your credit score can be used for far more than just

getting a credit card or a loan. It can be used by a potential

landlord to help them determine if they want to rent to you. It

can even be used by a potential employer.

With the economy in such a bad state these days more and more

people are getting gouged by insurance companies with higher

fees and much higher interest rates if they do get a loan, all

because their credit score has taken a hit. In many cases it's

not even your fault.

You lost your job, had unexpected medical bills, got divorced,

etc. The problem is that the banks and credit unions don't care

why, they just look at that all-mighty number: your credit

score.

While I'm sure many of us would agree that it's not fair that we

have to pay more on car insurance when our driving record is

clear just because we have some dings on our credit, whether we

like it or not that's the way it's done. So, short of a credit

revolution, we have to repair the damage that has been done to

our score.

Here are a few things that you can do that will start you on the

path to rebuilding your credit and that all-important score:

1. Find out your credit score. Get a credit report from all

three bureaus and check them over carefully for errors. Errors

are more common than you'd think and you shouldn't pay through

the nose for something you didn't even do! If you find a problem

contact the credit bureau immediately, in writing.

2. Pay your bills on time. This one single thing can go a long

way. This step, while seemingly easy, may actually be the

hardest thing to do. If you simply don't have enough money to

pay all your bills on time try to cut back on some of your

expenses. I don't know about you, but when I got serious I

realized that the things I 'couldn't cut back on' were actually

pretty easy to live without. You may be surprised at some of the

things you consider 'vital' to your life.

3. If you can't cut back on expenses anymore try to increase your income. Again, this may be easier said than done.

But something as simple as a garage sale or selling some old stuff

on Ebay may be all you need. Just try to get some extra cash

that you can apply to your debt. The more debt you can pay off

the more money you'll free up to put towards other debt.

When you're looking for credit repair credit cards should be

first on your list.. It will take time and determination but

the sooner you start the sooner you'll have a great credit

score.

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