We all want more out of life than we have.
Don't worry that does not mean that you are greedy like some believe.
Even if you are content with the life style you have having a great credit score can improve your current situation.
Maybe you want to buy a house or a new car if your credit score is lower than 700 you are going to get reemed with the interest rate because you are considered high risk.
Getting your credit together will stretch your current dollars even if you are not looking to make more money.
I have friends who have gone through the same program and cut their mortgage rate's by as much as 40%.
I don't know about you but that sounded great to me and the reality is that you can do the same thing with very little effort.
However just like anything worth having it is going to take some work to get your credit back on track.
However you are going to get the information from those who have done it and are continuing to help others achieve the same results.
I will not harp on it too much but there are really only 4 simple things you need to do to get your credit score back on track.
Below is a quick list of those things.
1.
Contact your creditors and tell them to send you proof of any debts they say you owe.
If they do not respond you can contact the credit reporting agencies and have the debt removed from your credit.
2.
Once you have removed all the items you dispute.
You can contact the ones you acknowledge and set up a payment arrangement or a settlement offer.
Many times they are willing to settle for 20-50% of the total debt you owe.
They figure they would rather have some money than none.
3.
Once you have have set up your payment arrangements you can try to reestablish your credit by applying for a credit card.
If you are not able to get a traditional credit card get a prepaid credit card and start with a small deposit like $300 and max the card out and pay the balance off every month.
Even though you are going to be paying interest it will build your credit.
4.
Pay your bills on time and in advance if possible.
This is always going to help you keep the credit your are establishing with the above steps.
Don't worry that does not mean that you are greedy like some believe.
Even if you are content with the life style you have having a great credit score can improve your current situation.
Maybe you want to buy a house or a new car if your credit score is lower than 700 you are going to get reemed with the interest rate because you are considered high risk.
Getting your credit together will stretch your current dollars even if you are not looking to make more money.
I have friends who have gone through the same program and cut their mortgage rate's by as much as 40%.
I don't know about you but that sounded great to me and the reality is that you can do the same thing with very little effort.
However just like anything worth having it is going to take some work to get your credit back on track.
However you are going to get the information from those who have done it and are continuing to help others achieve the same results.
I will not harp on it too much but there are really only 4 simple things you need to do to get your credit score back on track.
Below is a quick list of those things.
1.
Contact your creditors and tell them to send you proof of any debts they say you owe.
If they do not respond you can contact the credit reporting agencies and have the debt removed from your credit.
2.
Once you have removed all the items you dispute.
You can contact the ones you acknowledge and set up a payment arrangement or a settlement offer.
Many times they are willing to settle for 20-50% of the total debt you owe.
They figure they would rather have some money than none.
3.
Once you have have set up your payment arrangements you can try to reestablish your credit by applying for a credit card.
If you are not able to get a traditional credit card get a prepaid credit card and start with a small deposit like $300 and max the card out and pay the balance off every month.
Even though you are going to be paying interest it will build your credit.
4.
Pay your bills on time and in advance if possible.
This is always going to help you keep the credit your are establishing with the above steps.