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Repair Your Credit And Increase Your Credit Score

ARS ELECTRONICA 2010 | repair – sind wir noch zu retten
credit repair
Image by Ars Electronica
Rear Impact – Tom Hanslmaier (AT)

“Rear Impact” is a performance that deals with human latitude for action when the machine isn’t the tool of the human being but rather the human being the instrument of the machine. The flowing movement of a head-on collision between a car and a motorcycle driven the performer comes across as a series of snapshots.

credit: rubra

One of the worst effects of a credit problem is the feeling of powerlessness it gives you. Low credit scores can bring to mind memories of hard times in your life and past mistakes which were made, and these reminders can hinder your progress in moving ahead in life. There are a variety of things that you can do to help get your credit score under control. Here are some great tips!

If you have poor credit, you should contact your banks to see if they will lower your amount of available credit. By helping you use credit cards less, this will help you maintain a low balance. But be sure you don’t exceed your limit and pay a fee! Don’t lower the limit so much that it puts your current balance right against the cap, though.

If you do not want to pay too much, contact your creditors and tell them you will not pay on a interest rate that is astronomical. It is bordering on illegal for credit card companies to charge you skyrocketed interest rates. Keep in mind that you did sign a contract agreeing that interest rates were acceptable. If you decide to sue your creditors, you should be able to have the interest rates recognized as too high.

Talk to creditors to try using alternate payment plans directly if you cannot make monthly payments. In many situations, a creditor is going to be willing to work with you. By doing this, you will now be able to focus on debt accounts that don’t give you the freedom of establishing a payment plan.

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The only way to repair credit is to be more responsible with your credit accounts. Prepaid credit cards can be a good way to raise your FICO score, away from the dangers of late fees or charges for exceeding your credit limit. This will make you appear responsible to future potential lenders.

Each time you get a new credit card can negatively effect your credit score. Fight the temptation to get that credit card at the checkout when they offer you big discounts if you do it. If you fall for the temptation, your credit score will drop when opening that new card.

Make sure you research a credit counselor before you visit them. While many counselors are reputable and exist to offer real help, some do have ulterior motives. Other programs, while they sound good, are complete and total scams. Smart consumers make sure that a credit counselor is legit before starting to exchange any money or sensitive information.

Go through all the statements you receive. Take a second look to make sure that you are being charged only for what you actually purchased. It’s up to you to make sure that every item on your bill is correct and dispute those that are not.

It is important to carefully review your monthly credit card statement. If there are late fees, you have to make sure that you take care of them immediately with the company so that they don’t send that information to the credit bureaus.

In order to start repairing your credit, you should try to pay down the balances on your credit cards as quickly as possible. You should first work on paying down the credit cards with the highest balance or interest rates. It is your job to turn it around and prove your responsible with credit.

Having bad credit can lead to feelings of hopelessness, and these negative sentiments can pervade your thoughts. Use the advice provided here and you soon will be making a change in your credit.

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