Cindy is experienced in helping people raise their credit rating. Her interests include writing, taking pictures, traveling, and spending time with her family.

1. The Secret of Self Help Credit Repair
In today's world, the importance of credit cannot be overstated. It is the singularly most important
factor when it comes to buying a new home, getting a car, putting your children through school, renting
an apartment, or even - in some cases - getting a job. If yours is bad enough, the repercussions can be
incredibly damaging to your entire family for years to come. The value of self help credit repair should
be evident then, as it allows people who are in a hole to improve their lives in almost every possible
way.
Where to Start
Credit repair starts with the most basic of investments - your time. You need to learn everything you
can about your credit and why there are problems. If you're merely dealing with a low score, request
reports from all three major reporting bureaus. You should receive one free report from each company
annually.
After that, make sure to read the Fair Credit Reporting Act to ensure your rights have not been violated
and that everything on your report was fairly placed. A delinquency or, even worse, identity theft can
be devastating if not caught in time.
If your credit is beyond simply a bad score, you may need to look past self help credit repair and invest
in the services of a lawyer who can help analyze your situation and negotiate debt reduction settlements
with your creditors. While these settlements can hurt in the short term, they are far better than a
bankruptcy or multiple defaults - which can take more than a decade to recover from.
Investing in Your Future
Good credit is a gift and a responsibility. You need to maintain it if you want to take advantage of the
benefits it has to offer. That means spending time and money keeping your cards and loans under
control. Get a responsible, affordable mortgage, don't overextend your cards, and try not to push the
number of open accounts, or the amount of credit you have to borrow from past your financial means.
The key to good credit is to responsibly handle the credit you have. Rather than considering it a part of
your income, think of credit as a last ditch lifeline that will only be used when you have no other
options. Use it to make major purchases that directly affect your life - such as vehicles, school loans, a
new home, or business loans. This kind of responsible borrowing can last you a lifetime, allowing you
to far more easily manage your finances and stay ahead of your bills.
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