Fixing Credit – Basic Tips For Fixing Credit Scores
Here’s how you can get great credit scores:
1. Know how to reach the three Credit Bureaus
There’s three credit bureaus – Equifax, Experian and Trans Union. The three major credit bureaus are important especially if you are going to be fixing your credit score. The major three credit bureaus can assist you by sending you your credit scoring report and guiding you how to correct errors. You can contact these agencies by email, telephone, or through the web.
2. Smoking kills your credit score
Smoking kills and sometimes it can kill your credit sore. Lets say you get health insurance. Your insurance company may ask you questions about your health. One of the questions will be about whether you are a smoker. If you are a smoker, your premiums will be higher than people who don’t smoke. Paying higher premiums on health insurance means less money towards your other expenses.
3. Collection agencies, deal with it
Most collection agencies are good at what they do. Some are great. Deal with it. People in debt feel so ashamed of their low credit rating that they feel they deserve the abuse and harassment that they get from collection agencies. A low credit rating does not entitle collection agencies from harassment or abuse. If this occurs, report collection agencies immediately.
4. Three scores
There are three collection agencies so you have 3 scores. However, the top and bottom score are generally omitted from loan applications so the middle one represents your credit score.
5. Pick a reputable credit repair service
There are numerous credit repair service agencies available. Lexington Law is by far the best at removing negative items on your credit report.
John Stocker is a bad credit repair specialist devoted to helping people remove foreclosure from their credit reports.
