###7 Surefire Ways To repair Bad reputation###

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Do you have a poor prestige rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has come to be a national 'disease.' And just what do habitancy need that have a disease? They need a cure.

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Here are some sure-fire solutions to ' heal bad prestige '. Keep in mind, like most 'diseases,' prestige heal can take some time, but unblemished curative is possible.

The First Step

The first thing you need to do is find out what is being reported about you. This is easy and inexpensive. For under , you can get your prestige article from one of the three main prestige reporting companies: Equifax, Experian, or TransUnion. Keep in mind however, that if you have recently been denied credit, you can get a free article from the same prestige bureau the lender used to reject you as long as you do so within 30 days.

What You Don't Need

You don't need a heal clinic. Why? There is no legal way to 'repair' your credit. Those that claim to know loopholes and shortcuts are merely out for your money. They may even get you into legal issue by having you fudge the facts or creating a whole new file for you. Anything legal that a clinic can do, you can do just as beyond doubt and without the cost of 'professional' help.

Further Steps to Take

1. Stop using your prestige cards immediately. Put them somewhere where they will not tempt you. You may consider keeping at least one card for urgency purposes. Additionally, with poor credit, you may find it more difficult to get a prestige card in the future. If you keep at least one account open, then you won't have to worry about applying.

2. Be Honest With Yourself. Taking a good hard look at your financial situation, particularly if it isn't good, can be very difficult. Yet, to get out debt you have to fully understand what the situation is.

3. Find the Errors. Believe it or not, up to 40% of all prestige reports have errors in them. If you find that your prestige article shows something that is not true, you need to write to them with all the details. Be sure to use certified mail so that you can keep track of who you wrote to, when you wrote, and who received the mail on the prestige bureau's end. Then ask the prestige bureau to send a corrected article to Anything who has requested a article on you in the last 6 months.

4. Find the Omissions. By law, you are allowed to add information to your article that you believe will help your rating. This might be further information about a reimbursement of a loan, good prestige you have with clubs that do not article to the prestige bureau, or wages increases.

5. You Must Have a Plan. Either you settle to pay your bills down small at a time, take a second job, go to prestige counseling, or file bankruptcy, you need to make a plan and stick to it. In order for your prestige to be improved, you have to have a plan and then take action!

6. Talk to those that you owe. Creditors want their money. They do not want you to default (quit paying). In fact, most creditors will work with you to get a reduced payment schedule. If you can keep them from reporting you to the prestige bureau, then it won't hurt your credit. The catch here is this: be sure to stick to the new negotiated plan - they won't renegotiate if you fail to comply.

7. The Best Cure is Time. Have you ever heard the saying 'time heals all wounds'? It also heals your credit. After 7 years, most items will be dropped. This is good news if you are working to exact your credit. As each year passes, more and more bad items will drop off and more and more good items will be included. Eventually, the disease will be cured.

Follow these steps and you will find that your prestige looks healthier and healthier each day. ultimately this path will lead you to full recovery. Good Luck!

7 Surefire Ways To repair Bad reputation