Dave 's Blog
last updated on: Oct. 19, 2016 04:13AM

About the author

Dave Kelly  here, I am  a pastor and an internet marketer. I live in Jamaica West Indies. I have been online over four years, my main focus is affiliate marketing.


My objective is to assist people to earn an income online.

Looking forward to working with you to your success.

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Latest blog posts
How to Feed Birds in the Winter
[Oct. 19, 2016 04:13AM]
Hybrid Cars The Future of Cars Is Finally Here
[Oct. 19, 2016 04:06AM]
First of all, what is a hybrid car?
[Oct. 19, 2016 04:00AM]
The Best Coupon Tips On The Web
[Oct. 19, 2016 03:55AM]
Tips And Strategies On How To Maximize Your Personal Finances
[Oct. 19, 2016 03:50AM]
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    Having A Bad Credit Score Can Be Problematic Read These Tips To Get Out Of Trouble [Oct. 03, 2016 04:08PM]   
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Having good credit starts and ends with you. You have to make sure that your credit report is accurate, and that you are doing everything you can to pay your obligations on time and not take out more credit than you need. This article will show you how to get the credit rating you want.



To help you improve your credit score you should settle any bad debts. Bad debts are one of the main reasons why your credit score is low. So if you have many bad debts you need to contact your creditors immediately and see if they will let you settle the account.

An important tip to consider when working to repair your credit is to know what goes into calculating your credit score. This is important to know because it is composed of a complicated series of calculations that judge your score based on a large amount of variables. What is most important to know is that will take a long time to build your score up, however it can quickly drop if you do not pay your bills or default on a loan.

Remove cosigners from your accounts. Adding a cosigner is a good way to get credit, especially when you are first starting to repair your credit score - and they offer another chance to bolster your score when you remove them. Once your credit gets to a point where you can qualify without cosigners, call your financial institution and remove them from your existing accounts.

If you are in the midst of repairing your credit and find that you are having difficulty paying bills on time due to financial stress, call the financial institution and see what options there may be for you. You may qualify for an economic hardship deferment of a loan or for reduced payments. You never know unless you ask!

If a collection agent does not inform you of your rights stay away. All legitimate credit collection firms follow the Fair Credit Reporting Act. If a company does not let you know of your rights they may be a scam. Learn what your rights are so that you know when a company is trying to push you around.

Discuss your credit situation with a counselor from a non-profit agency that specializes in credit counseling. If you qualify, counselors may be able to consolidate your debts or even contact debtors to reduce (or eliminate) certain charges. Gather as many details about your credit situation as possible before you contact the agency so that you look prepared and serious about repairing your credit.

Did you know that every time you apply for credit, your credit score is damaged a little? Applying for multiple credit cards, loans and other debt can significantly decrease your score, making it difficult to purchase important items later, such as a home or car.

Think of your credit score as your financial reputation. Word gets around quickly, and if it is a negative one, it can be hard to recover from. Keeping your credit good from the beginning is best, but if you have had some setbacks, this article has shown you that you can clean up your financial reputation and get back on track.



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