Fast Credit Repair
by Chris Devers

Raise Your Credit Score Fast

Raising your credit score is more important than ever and if you don’t know how, you will end up paying dearly!  Millions of people every year, wait until the last minute to do something about their finances.  Today, you can be the one who takes action and seeks to make their credit better!

Bad credit scores not only show a lack of responsibility, but you’ll end up having to pay more when you try to get a credit card or a car loan.  When I ran into credit problems, I was not able to get a credit card, unless I deposited 0!  I was not aware that I would have to do this and furthermore, I knew I needed to raise my credit score fast!

The fact of the matter is, unless you are filthy rich, you will run into credit problems.  At one time or another all of us who work at a 9-to-5 job will end up getting behind on our bills and when we do, we will need a quick fix or we will be getting some nasty phone calls from the bill collectors.

There are millions and millions of people in the United States who have bad credit.  In other words, their credit scores are way under 620 and I used to be one of those people.  I know what it’s like to try to get a loan or credit card and the terms are ridiculous.

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I had to start researching everywhere I could online to find out how I could raise my credit score and I found all kinds of information.  Some of the information I found was extremely helpful, while others were just plain absurd.  The only way you’re going to be able to improve your credit score is, by knowing your score.  I know that sounds extremely logical, but not everyone knows to do this.

When you look at your credit score and it’s under 620, you are in the danger zone.  I used to be just under 300 and believe me, you don’t want to be there!  One of the smartest things I did is, pay off my smallest credit card first, then I slowly went after the big one.  I paid off the smallest ones first, because it made my goals attainable and I felt like I was making progress.

If you try to pay off the biggest credit card debt first, you will end up either getting depressed or you’ll feel like you’re not making any progress.  Once you start getting the smaller credit cards paid off, your credit will start improving like magic.  If you have a hard time managing your money, I would strongly advise getting Quicken software, because it’s the best.

The first thing you need to do is check your limits on your credit cards.  Sometimes the credit card companies will have you set at a lower limit, then what you actually are at.  If you contact your credit card company they should be able to update your information, which may help improve your credit score.

The one thing you don’t want the credit scoring company to see is credit cards being maxed out or just over limit.  Try to get your cards paid down and make sure that you are not setting right at the limit, but that you are paid under the limit. If you want to learn more about your credit score click here!

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