You can feel like the bad guy if you have bad credit. Your credit may have suffered from unfortunate...

1. You Do Not Have To Live With Bad Credit Anymore
You can feel like the bad guy if you have bad credit. Your credit may have suffered from unfortunate
life incidents or perhaps you made a few mistakes, and that low credit score can keep you feeling
depressed and stuck. Luckily, there are things you can do today to make your credit better; here are
a few great ways to do that.
Planning is the first step to repairing your credit. Make a commitment to making better financial
decisions. Don't buy anything unless you absolutely need it. If you are buying something because you
want it, and don't need it, put it back on the shelf.
You can easily get a mortgage if you have a high credit score. Making your mortgage payment on
time each month will also boost your credit score. Owning your own home gives you a significant
asset to use in securing your finances, and your credit score will reflect that asset. Having a home
also makes you a safer credit risk when you are applying for loans.
When looking to improve your credit, avoid companies claiming that they can remove negative
information if the debt is true. Unfortunately, this negative information stays on your credit record
for at least seven years. However, information that is not correct can be removed.
Start paying on bills to help your credit. You can't just pay whatever you want whenever you want.
You need to pay your entire balance when it's due. This will improve your credit score. The score
rises as soon as you start making some headway on your overdue bills.
An important tip to consider when working to repair your credit is to work closely with your credit
card companies. By doing this, you will keep your credit from getting worse by making sure that
your debt does not increase. Contact your credit card company and request to change your
scheduled due date or interest rate.
Consumers should carefully research credit counseling agencies before choosing one with which to
work. Although some can be quite legitimate, others have motives that are less than kind. Also be
aware that there are other credit counseling services run by dishonest people. These services are
scams and should be avoided at any cost. It is wise for consumers to not give out personal
information unless they are absolutely sure that the company is legit.
Make sure to have as low as possible of a credit line available to you. This will prevent overextending
yourself and lets the company know about your responsible borrowing habits. You could get credit
easier in the future.
Before agreeing on settling a debt, find out how if the process will raise or lower your credit score.
Research all of your options, make an informed decision about the method you chose, and only then
should you agree to the settlement. Some of these creditors are only concerned about getting their
money, and not how it will affect your credit.
Joining a credit union may be helpful if you want to work on improving your credit score and are
finding it difficult to access new credit. Credit unions may be able to offer more credit options or
better rates than a larger bank, based on an understanding of the local area rather than the national
situation.

2. If you find any errors on your credit report, you should dispute them. Compose a letter of dispute to
every agency that reported errors, and include as much documentation as you can. Make sure that
you send the letter via recorded delivery, so that you can prove that the credit agency receives it.
Having a poor credit score can make you have negative feelings about your finances. These
suggestions can help you get on track with fixing your credit.