Credit Repair for the newbies

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Credit Repair for the newbies

Credit Repair for the newbies

If you're new to credit card repair, don’t' despair. It's not that to understand what this is about. And
neither will the instructions and tips here be impossible to figure out. May people think, mistakenly,
that so long as they keep paying bills on a timely manner, their credit status will be fine.

Right now the economy is hurting, credit card companies are feeling the pinch, and the lending
sector is frozen solid for people who need to borrow to sustain their needs.

Your credit score. Your credit score is affected by many things and so you try to avoid those that
negatively affect it and find out and implement those that improve it.

One way to pull up your credit score is to persuade some relatives to put you on the list of people
authorized to use their credit cards. It's a good mark on your report when a credit company sees

Your credit reports. You need to be aware of the accurate score, so to speak, of you transactions,
from your credit card company or companies.

Usually you are entitled to a free credit report, just ask for it. When you do get it, though, read it
cover to cover and try to have a list of questions about what you're not clear about concerning your

Credit Repair for the newbies (Continue…)

Creditors and collection companies. You have to keep the lines of communication open between the
people you owe money and the people who collect on their behalf. Doing so is a sign of openness
and a willingness to work things out.

Identity theft. Some people were victims of this. Someone bought using their names and they had to
pay for the consequences. You have to protect vital personal information so that nobody goes
around buying in your name. You have to dispute charges you didn't shoulder yourself.

Laws and litigation. You must be aware of ways to legally protect your interests against unlawful
practices of some credit card companies and their collection people. That way, you're prepared and
informed and won't be forced to do things not in your better interests.

If you're trying to find a way to do the credit repair yourself, it's advised that you do it yourself and
not rely on companies whose tips and efforts you will shell out money for. After all, you don't want
to be scammed.

Remember that the very money you may be using to pay for their services you could already be
trying to use to settle existing accounts and maxed our credit cards. It's best to do some research

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