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HOME >> How to Get Rid of Your Bad Credit in Two Months
YOURIMAGEHERE3How to Get Rid of Your Bad Credit in Two Months
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You were sure that you would get the loan that you applied for,
but to your surprise, a bank turned down the loan. The bank
explained to you that you have bad credit and they consider you
sub prime.
What, you may, ask is sub prime? Sub prime means that you have
bad credit and score of less than 620 on the FICO scale / rating.
This however doesn't mean that you can't apply for loans. There
are many lenders and companies who specialize in lending to sub
primers.
Ways to get rid of your bad credit in two months:
You can start by checking your credit report. Many times the
information that may have been entered is incorrect. If you do
find the errors, write to the credit company stating the errors
and the corrective action for it.
Ask for your credit scores from Trans Union, Experian and
Equifax. Thus you can know your credit score and devise measure
to make it better.
Pay off your loans; even payday loans can become big if you add
them up. Control the urge to borrow small, even if it is $20.
Just imagine $20 a day means $600 a month.
Use cash to make your purchases; this way you can definitely
lessen your credit card debts. Use only one credit card. Too many
credit cards means that you have to also pay annual fees on them.
Don't take cash against your credit cards. The rate of interest
on cash loans is very steep. In fact make a payment in full for
your credit card purchases. In this way, you wouldn't have to pay
for interest on interest.
Make a budget for all your expenses and then weigh it against
your income. If your expenses are more than your income, cut back
on the expenses. Otherwise you will be in debt. This will then
affect your credit rating. In return, you will have bad credit.
Following these simple techniques, you will be able to get rid of
your bad credit in two months.
Talbert Williams 2000-2009-2015 All Rights Reserved
About The Author Talbert Williams is the owner of http://www.debt-free-america.com.
View his recommended source for consolidating debt online.
Visit this site: http://www.debt-free-america.com.
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