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Credit Fix
If you have said to yourself, "I want to fix my credit," you have taken the first step to improving your credit and your financial health. There is no quick fix to improving your credit. However, there are things you can do in order to obtain a better credit rating.You cannot say, "Fix my credit" and have your credit score rise instantly. Instead, you will need to start doing some work on your credit. Order a copy of your credit report so that you know what you are dealing with. Look over the list of negative accounts to make certain there are no errors. Sometimes mistakes are made on credit reports.Look over your credit file to ensure that there are not any credit files listed that are not your own. You will also need to make sure that there are no files listed as past due or unpaid that has actually been paid on time or in full. If you find a mistake on your credit report, you will need to file a dispute and submit any necessary documentation.If a credit reporting agency finds that information has been listed in error, your file will be updated. If there is negative information on your credit report that the reporting agency is unable to properly verify, you can have that information deleted. (Just keep in mind that the original creditor can add the information to your file again when they are able to verify its accuracy).Start paying all your bills before the due date each month. One of the easiest ways to repair your credit is by making certain that you pay your bills on time and in full before the due date. If you are interested, check out Credit Fix.  You can create a budget to help you make certain that you put enough money aside each pay for your bills. Keep a calendar handy to write down your bills and due dates each month. This will help to prevent you from forgetting a bill. A good payment history will go a long way in fixing your credit.Contact any creditors with whom you have accounts in good standing. Many creditors are willing to work with you to bring your accounts back to good standing and to improve your credit. Try to make arrangements for reasonable payoff or monthly payment options to take care of bad debt. Ask a creditor to state in writing that they will write your balance as paid in full when they receive your completed payoff.Do not start closing old accounts with zero balances if you are saying, "fix my credit." It might seem like a good idea to close these accounts, but it is not always the right approach. Old accounts that are in good standing can work to improve your credit. You start to establish a credit account with no negative balances.With careful planning and research of your credit and financial history, you can start to fix your own credit. You need to clean up any accounts that are in poor standing. You need to take any steps possible to make certain that you do not repeat your poor credit choices of the past. For more detailed information, visit Credit Fix.