What should you do when you get bad credit? Repair it! However, credit repair is a time-consuming and slow process.
It is difficult for those who have bad credit history to get loans and low interest rate mortgage.
If you have higher credit score, you can apply what you want and it is easier for you to get approved.
There are several ways to improve your credit.
Where to start? First, it is time for you to get a copy of your credit report.
In your credit report, you may find the root of your bad credit record.
Reasons were listed in your report.
What you need to do is to figure out the ways to strengthen your credit.
It is your right to dispute the content wrote in your credit report.
If you find something disputable in your report, it is time for you to write to the credit bureaus.
You could dispute every negative item to win credit score.
If there is error in your credit report, the credit bureaus will verify the information and make it right.
You will get a clean credit report after steps mentioned before.
It is time for you to rebuild your credit profile.
The key in this part is to get positive credit information.
As your bad credit account already existed, you could open a new positive account to reborn.
However, it is not completely re-born at particular aspect.
It does not mean that there is no need for you to cherish your credit record.
Generally speaking, people get a secured credit card to start a new credit profile.
However, it is not a perfect solution.
The interest rate is higher than the ordinary one.
But there is no way out.
To rebuild your credit, you have to strictly use these cards and time will tell you the truth.